Take out any eligible RACV Home Buildings Insurance policy before Sunday 27 October 2019 for your chance to win $100,000 cash.*
RACV Home Buildings Insurance
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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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Great features and benefits
So you can repair or rebuild your home after a fire or other listed event
Buildings cover
Covers your buildings and permanently attached fixtures such as light fittings and kitchen cupboards. Includes garage, carport, fences, in ground pools and spas.
Includes costs of demolishing and removing debris
With our approval, the costs to demolish and remove debris following a listed event, and costs to make your site safe such as temporary fencing.
Costs of meeting in-force building regulations included
To repair or rebuild damaged parts of your home to meet building regulations that have changed since your home was built, renovated or altered, up to your sum insured.
Temporary accommodation if your home becomes unliveable
Until your home is repaired (up to a year). Also temporary accommodation for your pets, removal and storage of your contents and any additional expenses that are reasonable and appropriate.
We pay these costs for the reasonable time we agree it should take to repair or rebuild your home for up to 12 months from when the listed event took place.
Wide range of events covered
Fire, theft and attempted theft, vandalism, broken glass, storm, storm surge, animal damage, earthquake, explosion and more.
This is only a summary of the inclusions for Home Buildings Insurance policy. For more information, such as conditions, limits and exclusions, please read the Product Disclosure Statement.
Building materials included
Up to $1000 for loss or damage to building materials (e.g.bricks, tiles and timber) at your home following a listed event.
Up to $20 million in liability cover
To cover claims that are made against you or your family if a third party is injured or dies, or for loss or damage to their property, in an incident at your home or site.
Repair and rebuild
You are covered to repair or rebuild your buildings if they’re damaged or destroyed by any event listed in your policy. RACV must agree to pay the rebuilding fees before you make any arrangements.
Accidental damage
For unintentional mishaps such as putting a hole in a wall moving furniture or accidentally damaging the floorboards.
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 Buildings Insurance policy. For more information, such as conditions, limits and exclusions, please read the Product Disclosure Statement.
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Insurance Calculator
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.