• Protection for your home and contents


    RACV combined 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 cover things like temporary accommodation for you and your furry friend, replacing keys and locks, rebuilding a shed or replacing carpet damaged by a flood. Optional cover for accidental damage, portable and valuable items is also available. For full details, see our policy documents below.

With an RACV Combined Home & 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:

  • Buildings and fixtures such as light fittings and kitchen cupboards. Includes garage, carport, fences, and in-ground pools.
  • Up to $20 million in liability cover to handle a claim made against you or your family for an incident that takes place at your home or site which causes death or injury to someone else, or causes loss or damage to someone else's property.
  • New for old cover if an insured item is stolen, damaged or destroyed by any event listed in your policy.
  • Costs to meet in-force building regulations to repair or rebuild a part of your home damaged by an insured event.
  • Credit card theft: Up to $1000 towards any money you must pay your credit card company if your card is stolen from your home and used without consent and your theft claim is covered.
  • Spoiled food or prescription medication replacement costs up to $500 if an insured event interrupts the electricity supply to your fridge or freezer.
  • Demolition and debris removal and costs to make your site safe, such as temporary fencing, once reviewed and agreed to.

This is only a summary of the inclusions for RACV Combined Home Buildings and Contents Insurance. For more information, such as conditions, limits and exclusions, please read the Product Disclosure Statement.

Optional extras

Looking for a little extra protection? You can boost your cover by adding options to your policy. If you do this, you’ll need to pay extra. 

Accidental Damage inside the home
Accidents happen. Get cover for unintentional damage around your home and to your contents, like accidentally knocking over your TV or damaging the floorboards.

Valuable Items inside the home
The standard policy provides cover for $2,500 under each category (for example, works of art and jewellery and watches). You can increase your level of cover for any of these categories by letting us know what amount above $2,500 you’d like to insure your valuables for.

Portable Items anywhere in Australia and New Zealand
Insure items you or your family might take with you when you leave your home such as phones or laptops. Covered up to $10,000 (unless you list it separately for more). If you take your items outside Australia or New Zealand, the most we pay is $10,000 for all items.

Burn out of electrical 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.

These are a few examples of things not covered by RACV Combined Home Buildings and Contents Insurance. Make sure you check the Product Disclosure Statement for a full list of conditions, limits and exclusions.

  • Loss or damage caused intentionally by you, by someone living in your home or by someone who has been given consent to enter your home
  • Subsidence or landslide unless it happens immediately as a result of an earthquake, explosion, storm, flood, rainwater run-off or storm surge
  • Vermin or insects – such as termite damage
  • Loose or unset gemstones
  • Plants, trees or shrubs growing in the ground (however potted plants are covered)
  • Trailers, caravans, motor vehicles, golf buggies or carts
  • Stock used in any business trade or profession

Know that you'll be covered with RACV Combined Buildings and Contents Insurance.

Ways you can save with RACV

mature couple sitting on couch laughing

Reduced premium if you're 50 years or over

50 or over? You're eligible for RACV Prime Cover Home Contents Insurance with reduced premium and additional benefits like an option for a nil excess so you don't have to pay any basic excess.

mature couple sitting on couch laughing

Reduced premium if you're 50 years or over

50 or over? You're eligible for RACV Prime Cover Home Contents Insurance with reduced premium and additional benefits like an option for a nil excess so you don't have to pay any basic excess.

Policy documents

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.

Download

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.

Download

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.

Download

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.

Download

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.

Download

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.

Download

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.

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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.

Download

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.

Download

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.

Download

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. 

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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. 

Download

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.

Download

^ On existing policies discount takes effect at next renewal. Excludes Travel, Business, Farm, Single Item and Pet Insurance products.

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.

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