Take out any eligible RACV Combined Home & Contents Insurance policy before Sunday 27 October 2019 for your chance to win $100,000 cash.*
RACV Combined Home & Contents Insurance
Assurance from a provider who has been protecting Victorians since 1903
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Easy 24/7 claims service
With RACV there’s no claim form, it’s all done online or over the phone
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Range of great discounts
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Flexible options
Pay annually or monthly using RACV’s range of easy-to-use payment options and choose the basic excess that's right for you
Covers both your home and home contents
Includes your buildings, fixtures, fences, garage, home improvements, household goods, clothing, personal items, furniture, furnishings and carpet. Exclusions and limits apply.
Credit card theft
Up to $1000 towards any money you must pay the credit card company if your credit card is stolen from your home and used, and your theft claim is covered.
Costs of meeting building regulations included
To repair or rebuild damaged parts of your home up to your sum insured to meet building regulations that have changed since your home was built, renovated or altered.
New for old cover
If an insured item is stolen, damaged or destroyed by any event listed in your policy, we'll replace it with a new one.
Wide range of events covered
Fire, theft and attempted theft, vandalis, broken glass, storm, storm surge, earthquake and more.
This is only a summary of the inclusions for Combined Home Buildings and Contents Insurance policy. For more information, such as conditions, limits and exclusions, please read the Product Disclosure Statement.
Food spoilage included
Up to $500 to replace spoilt food or prescription medication in a fridge or freezer if an insured event causes an interruption to your electricity supply.
Up to $20 million in liability cover
For you or your family’s legal liability if a third party is injured or dies in an incident in your home, or for loss or damage to their property.
Accidental damage
To cover any unintentional mishaps in and around your home - such as accidental damage if someone knocks over the TV, or puts a hole in the wall moving furniture.
Portable items
Insure portable valuables (phones, laptops) that are lost, stolen or accidentally damaged anywhere in Australia or New Zealand (inside your home and outside).
Covered up to $10,000 for an individual item unless separately listed for more. If you take your items outside Australia or New Zealand, the most we will pay is $10,000 for all items.
Valuable items
The standard policy provides cover for $2,500 under each category (e.g. works of art and jewellery and watches). You can increase your level of cover for any of these categories by letting us know the amount above $2,500 you’d like your valuables to be insured for.
Burn out of electric motors (fusion)
That are less than 15 years old, not covered by a warranty or used for a business, trade or profession and permanently attached fixtures, such as in a ducted air conditioning unit.
Get a quote
This is only a summary of the inclusions for Combined Home Buildings and Contents Insurance policy. For more information, such as conditions, limits and exclusions, please read the Product Disclosure Statement.
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Insurance calculators
For help calculating the level of insurance cover you need for your home buildings or contents, use our insurance calculators below.
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Burglary Statistics
How safe is your suburb? Find out using RACV's comprehensive Victorian Home Burglary Statistics, to discover 2018's burglary crime rates in your postcode.
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Landchecker
Landchecker is an interactive property hub for your property search that simplifies finding land and property information when you’re looking to buy, develop or renovate.
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Update your details
MMO LoginNeed to change your details? Simply login to My Membership Online to update your details.
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Retrieve your quote
Retrieve your quoteRetrieve your RACV Home and Contents Insurance quote online here.
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Make a claim 24/7
Make a claimWith RACV there's no claim form, it's all done online or over the phone.
RACV Home Insurance Key Fact Sheets
RACV Financial services guide
RACV Home Insurance Product Disclosure Statements
RACV Home Insurance Product Disclosure Statement and Policy Booklet for policies with a start date on or after 19 May 2019 and renewal policies with a start date on or after 30 June 2019.
RACV Home Insurance Product Disclosure Statement and Policy Booklet for policies with a start date on or after 18 February 2018 and renewal policies with a start date on or after 2 April 2018 and new business policies with a start date before 19 May 2019 and renewal policies with a start date before 30 June 2019.
RACV Home Insurance Product Disclosure Statement and Policy Booklet for policies with a start date on or after 20 March 2017 and renewal policies with a start date on or after 1 May 2017 and new business policies with a start date before 18 February 2018 and renewal policies with a start date before 2 April 2018.
RACV Home Insurance Premium, Excess, Discounts and Benefits Guides
RACV Home Insurance Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 19 May 2019 and renewal policies with a start date on or after 30 June 2019.
RACV Home Insurance Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 24 August 2018 and renewal policies with a start date on or after 1 October 2018 and new business policies with a start date before 19 May 2019 and renewal policies with a start date before 30 June 2019.
RACV Home Insurance Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 18 February 2018 and renewal policies with a start date on or after 2 April 2018 and new business policies with a start date before 24 August 2018 and renewal policies with a start date on or after 1 October 2018.
RACV Landlord Insurance Product Disclosure Statements
RACV Landlord Insurance Product Disclosure Statement and Policy Booklet for policies with a start date on or after 19 May 2019 and renewal policies with a start date on or after 30 June 2019.
RACV Landlord Insurance Product Disclosure Statement and Policy Booklet for policies with a start date on or after 17 June 2018 and renewal policies with a start date on or after 30 July 2018 and new business policies with a start date before 19 May 2019 and renewal policies with a start date before 30 June 2019.
RACV Landlord Insurance Premium, Excess, Discounts and Benefits Guides
RACV Landlord Insurance Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 19 May 2019 and renewal policies with a start date on or after 30 June 2019.
RACV Landlord Insurance Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 24 August 2018 and renewal policies with a start date on or after 1 October 2018 and new business policies with a start date before 19 May 2019 and renewal policies with a start date before 30 June 2019.
RACV Landlord Insurance Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 17 June 2018 and renewal policies with a start date on or after 30 July 2018.
RACV Landlord Insurance Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 8 December 2017 and renewal policies with a start date on or after 21 January 2018 and new business policies with a start date before 17 June 2018 and renewal policies with a start date before 30 July 2018.
RACV Landlord Insurance Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 20 March 2017 and renewal policies with a start date on or after 1 May 2017 and new business policies with a start date before 8 December 2017 and renewal policies with a start date before 21 January 2018.
^ On existing policies discount takes effect at next renewal. Excludes Travel, Business, Farm, Single Item and Pet Insurance products.
*Terms and conditions apply. Competition closes at 11:59pm on Sunday 27 October 2019. Draw will take place at Level 9, 485 Bourke Street Melbourne 3000 on Thursday 19 December 2019 at 11:00am. Winner will be published on the RACV website at www.racv.com.au/royalauto on Friday 20 December 2019 and notified by phone and/or in writing. For full terms and conditions, please refer to www.racv.com.au/competitions. Product issued by Insurance Manufacturers of Australia Pty Limited. Please consider the Product Disclosure Statement.
RACV Home Insurance is issued by Insurance Manufacturers of Australia Pty Limited ABN 93 004 208 084 AFS Licence No. 227678. The information on this website is general advice only so before making any decisions, please consider your own circumstances and the Product Disclosure Statement.