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Your home is usually your biggest investment – so it’s important to protect it. RACV Home Buildings Insurance covers the cost to repair or rebuild your home when it has been damaged as a result of an insured event, such as fire, theft or storm. For full details, see our policy documents below.
With an RACV Home Buildings 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:
This is only a summary of the inclusions for RACV Home Buildings Insurance. For more information, such as conditions, limits and exclusions, please read the Product Disclosure Statement.
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
Mishaps happen. Get cover for unintentional damage around your home, like when you're in the roof space and accidentally put your foot through the ceiling.
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.
These are a few examples of things not covered by RACV Home Buildings Insurance. Make sure you check the Product Disclosure Statement for a full list of conditions, limits and exclusions.
Get 10% off your insurance policies when you take out two or more eligible RACV insurance policies^.
As an RACV member, you have access to a range of benefits and savings not just on RACV products, but also from retailers around Australia on motoring, home, leisure and entertainment.
How safe is your suburb? Find out burglary crime rates in your post code with RACV’s comprehensive Victorian Home Burglary Statistics.
Are you looking to buy, develop or renovate in Victoria? Use our interactive property hub to find land and property information to help you make an informed decision.
Accidental damage cover protects you when unintentional damage occurs around your home.
For example, if your child accidentally knocks over your TV and the screen breaks, or if you’re in your roof and you accidentally put your foot through the ceiling.
Whether your building or contents are covered (or both) depends on your policy.
Yes; but keep in mind that if you choose not to use a Partner Repairer, the repairs will need to be arranged and managed by you and anything that goes wrong (like faulty workmanship) will not be covered by your policy.
You’ll also only be paid the fair and reasonable amount that the repairs should cost.
A trusted network of Partner Repairers and suppliers will be engaged to assist in your claims process.
Rest assured only suitably qualified repairers and leading retailers will be engaged to assist with your claim.
A lifetime guarantee is provided on the workmanship of repairs when your home is repaired or rebuilt by a Partner Repairer and those repairs have been authorised as part of a claim.
Yes. The calculation that's provided is a guide only. It's up to you to make sure your home is insured for its full replacement value.
However, if you insure your home for more than the cost to repair, replace or rebuild, you will only be covered for the actual cost of repairing, replacing or rebuilding.
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 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.
^ 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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