• Why RACV Home Insurance

    RACV Home Insurance can provide cover for loss or damage to the structure of your home – and the things inside of it – as a result of an insured event like fire, theft or storm. Even accidents like a tree falling on your roof or a ball breaking a glass window can be covered with the right policy.

    So whether you’re a home owner, renter or landlord, choose with confidence knowing that when the unexpected happens, you won’t be caught off guard.

    • Comprehensive cover for fire, flood and theft
    • Variety of excess options
    • Flexibility of monthly or annual payments

Customer care

No query is too hard to handle. Our Australian-based consultants are always here to help. 

Exclusive savings

RACV Members save with discounted attraction tickets, Woolworths WISH gift cards, special prices on local travel, day trips, and more.  

Multi-Policy discounts

The more RACV Insurance policies you hold, the more you can save. Get 10% off when you take out two or more eligible policies.

RACV Home Insurance products

Getting started

New to buying insurance? Here’s the basics. Once you choose the cover you need, you'll need to: 

  1. Calculate the sum insured  

    The sum insured is the maximum amount allocated to repair your property or replace your contents following an insured event. You can estimate these values using our calculators below.  

  2. Get a quote   

    You can get a quote for RACV Home Insurance policies online or by calling us on 13 72 28

  3. Review your quote

    Check all the details to understand your level of cover and the excess you’ve selected.

  4. Purchase your policy  

    Once you’re happy with the level of cover, you can finalise your payment online, or by calling us and providing your quote number.   

Home Insurance calculators

We have calculators that can help you estimate the value of your home buildings and contents*. This value is also known as the sum insured. 

Make a claim or manage your policy

Explore other RACV products

Frequently asked questions

What is an excess and what options are available?

If you need to make a claim, you might need to pay an excess. An excess is the amount you contribute towards a claim. You can read more about the different types of excesses in the Premium, Excess, Discounts and Benefits Guide.

When you take out your policy, you’re able to select from a variety of excess options. For a basic excess, you can choose from: $100, $200, $300, $500, $750, $1,000, $2,000, $3,000, $4,000, $5,000. 

You can reduce your premium by choosing a higher basic excess.

How much should I insure my home and contents for?

To help you find out how much you need to insure you home and contents for, you can use the Buildings calculator, the Contents calculator or both. This provides an estimate value of the cost to to rebuild your home and replace your contents after an insured event, otherwise known as the sum insured.  
The Building and Contents calculators are guides only and you need to make sure your sum insured will cover the full cost to rebuild your home and replace your contents. Otherwise you may have to pay the difference.

More information you may be interested in...

1 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 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. Insurance product(s) issued by Insurance Manufacturers of Australia ABN 93 004 208 084 AFS Licence No. 227678.

* The RACV Home Buildings and Home Contents Calculators provide an indication of rebuilding or replacement costs only and in no way guarantees the amount RACV Insurance may agree to insure your home or contents for. It is your responsibility to check that this amount is enough to cover the rebuilding costs of your home or replacement costs of your home’s contents at today’s prices. Before you decide whether to buy or continue to hold RACV Home Insurance, you should calculate the actual replacement value of your home and contents and consider the information in the Product Disclosure Statement.