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Protection for your home
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.
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:
Buildings and fixtures such as light fittings and kitchen cupboards. Includes garage, carport, fences, and in-ground pools.
Building materials at your home – such as bricks, tiles and timber – are covered up to $1000 for loss or damage as a result of an insured event.
Temporary accommodation if you can’t live in your home as a result of an insured event. This also includes temporary accommodation for your pet, the removal and storage of your contents, and for any costs we agree are reasonable and appropriate.
Demolition and debris removal and costs to make your site safe, such as temporary fencing, once reviewed and agreed to.
Costs to meet in-force building regulations to repair or rebuild a part of your home damaged by an insured event.
Up to $20 million in liabilitycover 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.
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.
What's not covered
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.
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.
Vermin or insects – such as termite damage.
Subsidence or landslide unless it happens immediately as a result of an earthquake, explosion, storm, flood, rainwater run-off or storm surge.
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.
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.
^ On existing policies discount takes effect at next renewal. Excludes Travel, Business, Farm, Single Item and Pet Insurance products.
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