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Protect your home today

Cover your home, contents or both against certain unexpected events - from storms and flooding, to fire and theft, and more.

Every RACV Home Insurance policy comes with:

  • a variety of basic excess options
  • the flexibility of monthly or annual payments
  • access to a world of Membership benefits.

Whether you own and live in your home, rent it out or you’re a tenant yourself, RACV Home Insurance helps Victorians protect what matters most. An RACV Home Insurance policy can provide you peace of mind when you need it most, with 24/7 claims support. 

Manage your policy 24/7

Check and update your policy and payment details anywhere, anytime in the RACV App or online.

Choose the right type of home insurance for you

Combined Home Building and Contents Insurance

Cover for your home, structures on the property, attached fittings and your personal belongings.

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Buildings Insurance

Cover to repair or rebuild your home, including garages, carports, sheds, fences and pools, as well as attached fittings like lights and cupboards.

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Contents Insurance

Cover to repair or replace personal items, including TVs, furniture and electricals, clothing, tools and jewellery.

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Landlord insurance

Cover for damage by tenants, rent default and more – whether you’re insuring the building, contents or both.

Get a quote
Find out more

Renters insurance

Cover for the things you keep inside the home you’re renting, plus temporary accommodation if you can’t live there after an insured event.¹

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Insured events

Take a look at things you can make a claim for if they impact your home or contents. For all limits, conditions and exclusions, check the Product Disclosure Statement.

Theft

If your things are stolen during a break in or there’s damage caused by attempted theft.

Flood

That’s an escape or release of water from things like lakes, creeks, rivers, canals or dams.2

Fire

Damage caused by fire (like a bush fire, kitchen fire or electric fire), smoke and soot.

Storm

This includes damage or loss caused by rain, hail, lightning, snow or wild winds.

Impact damage

This covers damage caused by falling trees and branches, a car that’s lost control, power poles or aerials.

Earthquake and tsunami

Loss or damage from an earthquake or tsunami (including landslide or subsidence that happens immediately afterwards).

Water and oil leaks

Sudden leaks from things like gutters, pipes, baths, toilets, appliances, fixed heaters and cooling systems.

Explosion

Loss or damage caused by an explosion from things like gas boilers or electronic devices. Plus, resulting landslide or subsidence.

Animal damage

Damage caused by an animal that isn’t kept on your property. This doesn’t include vermin, insects or birds.

Getting started

If you’re new to buying insurance, don’t worry – it’s easier than you think. 

  • Calculate the sum insured

    This should be enough to repair or replace your home and/or contents after an insured event. If you need help, use our building calculator^ or contents calculator.~

  • Get a quote

    You can get a quote online or by calling us on 13 72 28 (we’re here 7am – 11pm, 365 days a year).

  • Review your quote

    Check your coverage and excess to make sure they’re right for you.

  • Buy your policy

    Once you’re ready, you can buy your policy online or over the phone.

More than just great home insurance

24/7 claims help

Our Australian based consultants are always here to help. 

Exclusive savings

Get discounted attraction tickets, Woolworths gift cards, special prices on local travel and more.

Multi-Policy discount

Take out two or more eligible policies and save up to 10% on each.*

No claim bonus

You could save money on your premium if you have a good claims history.

Loyalty discount

The longer you're a member, the greater your discount on selected products with our Years of Membership discount.*

Save on your next getaway

Members save 25% on accommodation at RACV Resorts across Victoria, Queensland and Tasmania.

Make a claim or manage your policy

Make a claim

You can make a claim 24/7 in the app, online or by phone.

Find a policy document

You can view policy documents, or update your personal details and payment methods online.

There are ways we can help you take control of your insurance policy and premium. Learn more about how premium prices are calculated and what you can do to help reduce your premium.

Frequently asked questions

There are three types of excess.

Basic excess
This is how much you pay when making a claim, including claims for fusion cover and portable items (if you’ve added them to your policy).

Your basic excess can be $100, $200, $300, $500, $750, $1,000, $2,000, $3,000, $4,000 or $5,000. If you’re aged 50 or older, you can choose a $0 excess. Remember, choosing a higher basic excess can reduce your premium.

You can change your basic excess at your policy renewal time through your online account.

Accidental damage excess
If you choose to add accidental damage cover and make a claim, you’ll pay a $300 excess instead of your basic excess.

Special excess
If a special excess applies to your policy, you’ll need to pay this as well as your basic excess.

Yes, you can choose monthly direct debit instalments, or one annual payment. Keep in mind that if you pay annually, you'll save some money.

If you're taking out a new policy, you can choose your payment frequency when you sign up. Already have a policy? Call 13 72 28 to switch to monthly payments at your renewal time.

Apartment buildings are usually covered by strata insurance, but you can get cover for the things you keep inside your apartment with contents insurance.

Basically, contents are household items that you own and aren't permanently attached to your home.

They include things like:

  • furniture and appliances
  • clothing and linen
  • mobile phones, computers and tablets
  • internal blinds
  • curtains and drapes
  • carpets and rugs
  • furnishings
  • medical items
  • toys
  • tools.

You can also insure portable and valuable items.

For a full list of what you can cover, see the Product Disclosure Statement.

No, but some mortgage lenders will need you to have buildings insurance, as a compulsory condition of the home loan.

If your property has a mortgage, make sure you check what’s required with your lender.

There are lots of ways we can help you take control of your insurance policy and premium.

Learn more about what impacts premium prices, and what you can do to help reduce your premium, including a range of benefits and discounts available to RACV Members.

A Certificate of Insurance outlines details of your cover, such as:

  • the policy number
  • when it takes effect
  • when it expires
  • limits
  • the price of your premium.

This is sent to you when you buy your insurance policy.

You can also find it via the RACV App, by clicking on 'My Products', and in your online account, by clicking on 'Documents'.

Summary of cover

If you're just after a summary of cover, you can also find this via the RACV App or your online account by clicking on the ‘view details’ next to the relevant product and then clicking ‘view policy summary’.

Buildings Insurance 
This policy covers the buildings and structures on your property. This includes fences, sheds, solar panels and garages. 

Contents Insurance 
This policy provides covers for the things you keep inside your home, such as: 

  • furniture and appliances
  • clothing and linen
  • carpets and rugs.

You can also add optional cover for portable and valuable items. 

Combined Buildings and Contents Insurance 
Get the best of both worlds with a combined policy. This provides cover for both the structures on your property and your belongings. 

Landlord Insurance 
This policy covers things that regular home insurance does, with a few extras specific to properties with tenants. 

You can choose from three options: 

  1. contents cover
  2. buildings cover
  3. combined building and contents cover. 

Renters Insurance 
If you’re renting, this policy provides cover for your contents and belongings, kept in your home. You can also add a few extras specific to being a tenant.

For full details of what is and isn’t covered, see the Product Disclosure Statement.

There are a few things you can do to save on your premium.

Increase your excess
Choosing a higher basic excess may reduce your premium. But remember: if you make a claim, you’ll pay more out of pocket.

You can change your basic excess at your policy renewal time through your online account.

Pay annually
When you pay your insurance upfront, instead of in monthly instalments, you may pay less.

Add more policies
When you have two or more eligible RACV Insurance policies, you’ll save 10% off each thanks to the Multi-Policy Discount*. That means combined building and contents policies automatically save.

But it’s not just for home insurance – all RACV motor, caravan and trailer, and boat insurance policies are also eligible.

Stick with RACV
The longer you’re a Member, the more you can save on RACV Insurance policies (and other eligible products) with our Years of Membership Benefits loyalty discounts program#*. It’s our way of thanking you for staying with us.

# RACV Years of Membership: at 5 years Bronze cardholders receive a 5% discount, at 10 years Silver cardholders receive a 10% discount, at 25 years Gold cardholders receive a 15% discount and at 51 years Gold 50 cardholders receive a 20% discount.

* The Multi-Policy Discount and Years of Membership Benefits exclude Travel, Business and Farm Insurance products. To qualify for the Multi-Policy Discount, you must hold two eligible RACV Insurance policies. For further details, see the Premium, Excess and Discounts guide at racv.com.au. Discounts will only be applied until any applicable minimum premium is reached. On renewal, any increases or decreases in your premium may be limited by factors such as your previous year’s premium. You may not save more with more eligible policies and by staying with RACV Insurance longer if a minimum premium is reached, or limits have been applied to increases or decreases in your premium.

Theft cover 
All RACV Home Insurance policies cover theft by an intruder. There are some exceptions if you rent out your property via short term sites like AirBnb or Stayz. 

Your basic excess will apply for any theft claims. 

Accidental damage cover 
You can add accidental damage as an extra to most policies. This means you'll be covered for any unintentional damage to your home or belongings. 

This includes things like: 

  • knocking over your TV
  • putting your foot through the ceiling while you’re in the roof
  • spilling some red wine on a white carpet.

A $300 excess will apply for accidental damage claims. To update your policy call us on 13 72 28.

For full details of what is and isn’t covered, see the Product Disclosure Statement.

Carpets and rugs are considered part of your contents. They're not covered by Buildings Insurance. 

If they're damaged due to an insured event like fire, flood or storm, you're covered with any of these products:

  • Contents Insurance
  • Combined Building and Contents Insurance
  • Landlord Contents Insurance
  • Landlord Building and Contents Insurance.

If you're insuring an investment property that you're renting out, your carpets may be covered under your Building insurance.  

For full details of what is and isn’t covered, see the Product Disclosure Statement.  

The amount you insure your home for (the 'sum insured') should be enough to help cover the cost of rebuilding your home at today's prices.  

When we talk about your home, we don't just mean the building itself. Home improvements and fixtures permanently attached to your home could count, too.

When calculating your building sum insured, make sure you include the cost of:

  • fences
  • sheds
  • in-ground pools
  • covered car spaces
  • demolition and debris removal
  • building and planning professionals
  • statutory or regulatory requirements.

Keep in mind

  • If you underinsure your home, you may be caught short if you have to totally rebuild.
  • If you insure your home for more than it costs to rebuild, you'll only be able to claim the actual cost to do so.

You can use our building calculator as a guide.^ For a full list of what you can cover, see the Product Disclosure Statement.

The amount you insure your contents for (the 'sum insured') should be enough to help cover the cost of repairing or replacing your belongings at today's prices.  

When calculating your contents sum insured, make sure you include the cost of:

  • furniture and appliances
  • clothing and linen
  • mobile phones, computers and tablets
  • internal blinds
  • curtains and drapes
  • carpets and rugs
  • furnishings
  • medical equipment
  • toys
  • tools.

Keep in mind

  • If you underinsure your contents, you may be caught short if you have to repair or replace them.
  • If you insure your contents for more than it costs to repair or replace them, you'll only be able to claim the actual cost to do so.

You can use our contents calculator as a guide.~ For a full list of what you can cover, see the Product Disclosure Statement.

Yes, but the process might be different depending on your plans.

Increasing your excess
You can do this at any time during the policy period, as long as no claims are pending.

Decreasing your excess
You can only do this when your policy is due for renewal, and no claims are pending. 

Your current Certificate of Insurance shows the amount and types of excesses that apply to your policy.  

How it works 
Your basic excess can be $100, $200, $300, $500, $750, $1,000, $2,000, $3,000, $4,000 or $5,000. If you're aged 50 or older, you can choose a $0 excess, instead of $100.

Keep in mind 
Choosing a higher basic excess can reduce your premium. But remember, if you make a claim, you'll pay more out of pocket.

Changing your excess may also affect the types of incidents for which you can make a claim. For example, if the damage is not above the basic excess, you’ll be unable to claim. 

To change your excess on your home insurance policy, call 13 72 28.

Look out for new ways to do this online, coming soon.

When you take out insurance that covers your contents, you can add portable items to your policy.   

You can add items under these categories: 

  • electronics (including mobile phones, wearable technology, tablets or laptops)
  • jewellery and watches
  • glasses, sunglasses and hearing aids
  • wheelchairs, mobility scooters and prosthetic limbs
  • camping, sporting and recreation equipment (including musical instruments)
  • clothing and luggage (including handbags and wallets).

We’ll only ask for a description if your item is worth more than $10,000. For items over $25,000, you must provide valuation documents before we can add them to your policy.  

This covers items if they're lost or stolen anywhere in Australia or New Zealand. You’ll also get limited cover anywhere else in the world. 

To add or update cover for portable items, call 13 72 28. 

For more information about adding optional cover, read the Product Disclosure Statement.

You're automatically covered for up to $2,500 in each of these categories:

  • art
  • music, games and movies
  • collections
  • jewellery and watches.

You can increase the amount you’re covered for in any category above by listing items as valuables. 

These items are only covered inside your home, unless you add them as portable items. 

Keep in mind, you'll need a valuation certificate for any item valued at more than $25,000.

To update your policy call us on 13 72 28.

Yes, your phone will be covered for all listed events at home, if you include its value in your general contents. 

You can also add accidental damage cover, to help protect you for things like dropping your phone and cracking your screen when you’re at home. 

If you want your phone to be covered if it's damaged, lost or stolen while you're away from home, you can add it to your policy as a portable item. 

You can also add other types of portable technology like laptops, tablets and smart watches. 

To update your policy call us on 13 72 28.

For full details of what is and isn't covered, see the Product Disclosure Statement.

We can also help you with...

Tips and advice for your home

1 If you’re renting the home (a tenant), we pay the reasonable extra rent costs for temporary accommodation.

2 If we have offered you the option to remove cover for Flood, Rainwater run-off or Storm Surge, and you choose to do so, you will not have this cover.

+ 80% off only applies to the first 12 months and when you buy the plan at the same time as your insurance. This offer is only valid for online purchases. You’ll be charged for your Emergency Home Assist and insurance separately and you cannot choose the ‘pay later’ option.

RACV Emergency Home Assist is an emergency home service product, separate to insurance, that is provided by Royal Automobile Club of Victoria (RACV) Ltd and not RACV Insurance Services Pty Ltd. It is a fast response service for common plumbing, electrical and locksmith emergencies, all for one annual fee. Up to 1 hour of labour, including minor parts and materials, is used to repair or make your home safe. Emergency Home Assist does not insure you against the costs of a home emergency and is not a home insurance product. Call outs are unlimited, subject to the Fair Use Policy. For more details, refer to the RACV Emergency Home Assist Terms and Conditions (PDF, 254.3KB).

* The Multi-Policy Discount and Years of Membership Benefits exclude Travel, Business and Farm Insurance products. To qualify for the Multi-Policy Discount, you must hold two eligible RACV Insurance policies. For further details, see the Premium, Excess and Discounts guide at racv.com.au. Discounts will only be applied until any applicable minimum premium is reached. On renewal, any increases or decreases in your premium may be limited by factors such as your previous year’s premium. You may not save more with more eligible policies and by staying with RACV Insurance longer if a minimum premium is reached, or limits have been applied to increases or decreases in your premium.

^ The Cordell Sum Sure Estimate is an estimate of the cost to rebuild the improvements on your property and is generated by the Cordell Sum Sure Calculator which uses available property attribute information (including information you input or confirm) and/or information collated by CoreLogic about the subject property (from insurers and other third party sources) and analyses them against construction industry data to statistically derive a rebuild estimate through a series of computer implemented algorithms (Cordell Sum Sure Estimate).

The Cordell Sum Sure Estimate does not take into account individual design features, site specific conditions, structural conditions and materials, local planning laws or any other regulations and may not be suitable for your particular circumstances. The Cordell Sum Sure Estimate is an indicative guide only and must not be relied upon as an accurate representation of the costs associated with rebuilding your property or in lieu of appropriate professional advice.

While CoreLogic uses commercially reasonable efforts to ensure the Cordell Sum Sure Estimate is current, CoreLogic does not warrant the accuracy, currency or completeness of the Cordell Sum Sure Estimate and to the full extent permitted by law excludes all loss or damage howsoever arising (including through negligence) in connection with the Cordell Sum Sure Estimate.

~ Typical home contents replacement costs are provided by Sum Insured. Whilst all reasonable care is taken to ensure the accuracy of the information as a guide for costing building contents replacement costs, no responsibility is accepted by Sum Insured for its accuracy. Please check with a Valuer or other suitably qualified professional for an accurate costing estimate. Insurance Australia Limited (A.B.N. 11 000 016 722) takes no responsibility for the costs provided by Sum Insured nor any liability for the accuracy of or reliance upon or use of, the costs.

This service is licensed to Insurance Australia Limited (A.B.N 11 000 016 722) for use by its customers.

© 2003 - 2025 Sum Insured is a trading name of Land Services SA Operating Pty Ltd (ACN 618 229 815) as trustee for Land Services SA Operating Trust (ABN 86 836 650 939). The building contents replacement cost calculator is registered under Australian Patent Number 2010202987.

The information provided is general advice only. Before making any decisions please consider your own circumstances and the Product Disclosure Statement and Target Market Determinations. For copies, visit racv.com.au. As distributor, RACV Insurance Services Pty Ltd AFS Licence No. 230039 receives commission for each policy sold or renewed. Product(s) issued by Insurance Manufacturers of Australia Pty Ltd ABN 93 004 208 084 AFS Licence No. 227678.

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