landlord insurance

RACV Landlord Insurance provides a range of benefits that are not covered by standard home buildings and contents insurance policies.

There are two types of landlord insurance available

Landlord Buildings - provides cover for your building's structure as well as fixtures & fittings of up to 10% of the sum insured.
Landlord Contents - covers those items owned by the landlord available for the tenant's use and used solely for domestic purposes in your rental or investment property. This may occur where a property is let fully or partially furnished and may include a refrigerator, furniture, TV & stereo and washing machine.

Check our competitive prices on landlord insurance and make the switch today! We are on hand 24 hours, seven days a week to help you with claims and emergency assistance.

Call 13 RACV (13 7228).

Get a quote for your landlord insurance

Features of Landlords Insurance

Pay your insurance

discounts & savings

When you have landlord insurance, you may be eligible for our extensive range of discounts and savings. Conditions apply - read the RACV Landlord Insurance Product Disclosure Statement and Policy Booklet, RACV Landlord Insurance Premium, Excess, Discount & Benefits Guide or call 13 RACV (13 7228).

multi policy discount*

By having any home and any vehicle insurance policy with RACV you are eligible for our Multi-Policy Discount. When you qualify for a Multi-Policy Discount you will receive 10% off every vehicle and every home insurance policy as well as any RACV Boat, Caravan or Landlord Insurance policy.

linked policy discounts*

If you don't qualify for our multi-policy discount but you have your home insurance policies with us you will receive 8% off each premium.

newly built home discount*

When you insure a home that has recently been built, you will receive a saving of up to 12% off your RACV Landlord Insurance premium (compared to a home built more than 4 years ago).

RACV rewards loyalty*

As a membership organisation, RACV is serious about returning value to members through a range of benefits. One such benefit is the Years of Membership benefit, which applies to Landlord Insurance Policies. The discount is based on the number of years of membership you have with RACV and is applied as follows:

Landlord Insurance	Bronze	Silver	Gold	Gold 50
	5-9 years	10-24 years	25-50 years	51+ years
	5%	10%	15%	20%
no claim bonus discount* RACV Insurance rewards claim-free policyholders. For each consecutive claim-free policy year you will be eligible for a 5% discount on renewal of your policy, up to a maximum discount of 25% for five claim-free years of insurance.
50 years and over benefit If at least one of you is aged 50 years or over, you will receive a greater reduction on your RACV Landlord insurance premium. And you do not need to be retired to receive this benefit.
* Discounts are applied to the base premium in the following steps:
Step1:	Multi-policy discounts or Linked policy discount (LPD applicable if not eligible for MPD)
	RACV Rewards Loyalty discounts
Step2:	No Claim Bonus discounts
The base premium does not include the cost of policy options, Pay by the month and government charges
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RACV Landlord Insurance Product Disclosure Statements

RACV Landlord Insurance Product Disclosure Statement and Policy Booklet effective on policies with a start date 9 January 2012 for New Business and Renewals
Download PDS (PDF, 490kb)
RACV Landlord Insurance Product Disclosure Statement and Policy Booklet effective on policies with a start date 20 March 2011 for New Business and 2 May 2011 for Renewals
Download PDS (PDF, 1.18MB)

RACV Landlord Insurance Premium, Excess, Discounts & Benefits Guide

Download PED (PDF, 0.99MB)

RACV Landlord Insurance Mid Term Supplementary Product Disclosure Statement

Download PDS (PDF, 363kb)