RACV Home Buildings and Contents Insurance covers both your home and its contents when they’ve been damaged as a result of an insured event, such as fire, theft or storm. It can also cover the cost to repair:
With an RACV Home Buildings and Contents Insurance policy, you'll be covered for a range of events, such as fire, theft and storm. Here's a summary of what's included:
Read the Product Disclosure Statement for a full list and description of items covered in building, contents and combined policies. The Premium, Excess and Discounts guide (PED) provides further details on how we calculate your premium, excess levels and discounts.
Here are some examples of what’s not covered by RACV Home Buildings and Contents Insurance. Make sure you check the Product Disclosure Statement for a full list of conditions, limits and exclusions.
This is a summary only. Refer to the Product Disclosure Statement for a full list of conditions, limits and exclusions.
If you’re new to buying insurance, don’t worry – it’s easier than you think.
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.~
Check your coverage and excess to make sure they’re right for you.
Once you’re ready, you can buy your policy online or over the phone.
You can make a claim 24/7 in the app, online or by phone.
You can view policy documents, or update your personal details and payment methods online.
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.
Your home and contents are covered for a range of events including fire, flood, theft or storm.*
However, you’re not covered for:
*Unless you have chosen to remove Flood, Rainwater run-off or Storm Surge cover where we have identified your home at risk of flooding. Other conditions apply including that damage caused by actions of the sea is not covered.
For full details of what is and isn’t covered, see the Product Disclosure Statement.
It depends on the work you're doing.
You're covered for:
You're not covered for:
You may want to update the amount your home is insured for, to make sure it's enough to cover your renovations.
Let us know about your renovations
Call 13 72 28 to chat about how renovations might affect your cover. You should tell us:
For terms and conditions, read the Product Disclosure Statement.
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:
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:
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.
If you choose to add accidental damage to your Combined Building and Contents policy, you’ll be covered for any unintentional damage to your home or belongings.
So, if you knock over your TV, put your foot through the ceiling while you’re in the roof space or spill some red wine on a white carpet, RACV Insurance will help you sort it out.
Keep in mind that a $300 excess will apply for accidental damage claims.
Yes, you can. You’ll be paid the fair and reasonable amount that the repairs should cost, but you’ll need to manage and arrange the repairs yourself.
Plus, if anything goes wrong (like faulty workmanship), it won’t be covered by your policy. Any repairs organised by RACV Insurance will have a lifetime guarantee.
General contents
These are items that are kept in or around your home but aren’t permanently fixed to the house. Think furniture, carpets, electronics and clothes.
Valuable contents
You’re automatically covered for up to $2500 in each of these categories:
If you want to insure items in these categories for more than this, you can list them as valuable contents.
When you take out Combined Building and Contents Insurance, we’ll ask you to tell us the value of your portable contents across different categories.
We’ll only ask for a description if your item is worth more than $10,000.
The categories include:
If you list these items on your policy, they will be covered anywhere in Australia and New Zealand.
Some of your general contents can be covered if they’re in storage in Australia.
Before you move them into storage, you need to tell RACV Insurance:
To see what can be covered in storage, check the Product Disclosure Statement.
Call 13 72 28 to chat to the team.
It depends on the item. Where possible, your items will be repaired or restored.
Some items (like fridges, washing machines and electrical appliances) can be replaced by a specialist supplier.
Other ways your claim can be settled are by giving you a store credit or a cash payout.
You can make a claim online by logging in, or by calling 13 19 03.
To check the cover on your policy, call us on 13 72 28.
* 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.
# 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.
+ 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 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.
