RACV Home Buildings Insurance
Cover to protect what’s dearest to you – your home
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RACV Home Buildings insurance covers the cost to rebuild or repair the structure of your home and other buildings (like a shed or garage) on your property when the damage is caused by an insured event.
Buildings Insurance doesn’t just cover your main structure; it also includes permanent fixtures that make up your home, like kitchen cabinets and floating floorboards.
Key inclusion:
- Impact damage from fallen trees and branches and the removal of debris.
What does Buildings Insurance cover?
Summary of Cover
Summary of Cover
This table is a summary only. Refer to the Product Disclosure Statement for a full list of conditions, limits and exclusions.
New to buying insurance? Here’s the basics. Once you choose the cover you need – buildings, contents or combined buildings and contents – you'll need to:
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Calculate the sum insured
The sum insured is the maximum amount allocated to repair your home or replace your contents following an insured event. You can estimate these values using our calculators below.
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Get a quote
You can get a quote for an RACV Home Insurance policy you’ve decided is right for you online or by calling us on 13 72 28.
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Review your quote
Check all the details to understand your level of cover and the excess you’ve selected.
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Purchase your policy
Once you’re happy the level of cover, you can finalise your payment online, or by calling us and providing your quote number.
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Home Buildings Insurance calculator
This calculator can help you work out the approximate cost to rebuild your home. This value is also known as the sum insured.
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Manage your policy or make a claim
You can lodge a claim online by filling out a form, or call us on 13 19 03.
For full details on how you’re covered, read the Home Insurance Product Disclosure Statement.
What does accidental damage cover?
Accidental damage is an optional extra you can choose to add to your policy. It’s not automatically included.
Accidental damage provides cover for when damage occurs around your home that has been caused unintentionally. For example, dropping something heavy on your stone kitchen benchtop and it cracks.
The type of policy you have determines what is covered by Accidental Damage. For example, if you take out a Combined Buildings and Contents policy and add Accidental Damage cover, the cover will apply to both your contents and your building.
Who will repair my home?
RACV Insurance has access to a network of preferred repairers and suppliers that can be engaged to assist in your claims process. Only suitably qualified repairers and leading retailers are engaged to assist with RACV Insurance claims.
When your home is repaired or rebuilt by an RACV Insurance preferred repairer and authorised as part of a claim, a lifetime guarantee is provided on the workmanship of repairs.
Can I choose my own repairer for my home repairs?
Yes; but if you choose not to use an RACV Insurance preferred 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.
What is the cost to rebuild a house?
Lots of factors can determine rebuild costs, such as the size of the home, construction materials, location and more. You can calculate the estimated rebuild cost of your home by using the Home Buildings Calculator.
The calculation the building calculator gives you is a guide only, so it is up to you to make sure your home is insured for its full replacement value.
If you choose to insure your home for more than the cost to repair, replace or rebuild, you’ll only be covered for the actual cost of repairing, replacing or rebuilding.
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RACV Trades
Access a network of professional and qualified trade and service providers for emergency home assistance and for home improvements or renovations.
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RACV Security
Get 24/7 surveillance protection tailored for your home with an RACV Security system.
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Motor Insurance
Whether you’re looking for basic cover or a policy with all the bells and whistles, explore a range of great-value RACV Insurance options today.
Terms and conditions
Any advice provided on this website is general advice only so before making any decisions, please consider your own circumstances and the relevant Product Disclosure Statement.
1 To qualify for the Multi-Policy Discount, Members must hold two eligible RACV Insurance policies. Excludes Travel, Business Farm, Single Item and Pet Insurance products. On existing policies, discount takes effect at next renewal.
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.