RACV Home Contents Insurance
Cover for the items that make your house your home
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RACV Contents Insurance covers the cost to repair or replace things you keep inside your home that have been damaged as a result of an insured event. These items can include furniture and rugs, fridges and washing machines, and TVs.
Key inclusion:
- Cover for flood* damage caused by heavy rain or overflow from a nearby river that can build up from the street and creep into your home.
*unless you have removed flood cover
What does Contents 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.
If you’re new to buying insurance, don’t worry – it’s easier than you think! Start with what you want to protect – your building, your contents, or both of them combined – then follow these steps:
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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 Contents Insurance calculator
This calculator can help you estimate the approximate cost to replace your home contents. 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 is accidental damage and is it included in my contents cover?
Accidental damage is an optional extra you can choose to add to your policy. It’s not automatically included.
Accidental damage covers damage that occurs in your home unintentionally. For example, if your child accidentally knocks over your TV and the screen breaks.
How will my claim for contents items be settled?
The way a claim is settled can differ item to item. If RACV Insurance agrees to cover your claim under contents insurance, then RACV Insurance can pay your claim in any of the following ways:
- repair an item
- replace an item one that’s the same or one that’s similar
- pay you the reasonable costs of what it would cost to repair or replace the item(s)
- give you a store credit or cash settlement.
Electrical items covered by contents are generally referred to a specialist supplier that can assist in the replacement process.
What’s the difference between General, Valuable and Portable contents?
General contents are items you keep in and around your home that aren't permanently attached or fixed to the home's structure, like furniture, furnishings, carpets (if you are the owner who lives in the home), electrical items and clothes.
Valuable contents are covered as part of your general contents, but only up to $2500 and for these categories:
- works of art
- music, games and movies
- collections
- jewellery and watches.
Under Valuable contents, you can choose to insure these items for more than what would normally be paid out.
Portable contents are items that you or your family own that you might take outside of your home. Items may include:
- camping and sporting equipment (while not in use)
- prescription glasses or hearing aids
- electronic devices like a smart watch, phone or laptop
- baby capsules and luggage.
Can I get cover with my roommates if I live in a share house?
If you live in a share house, you can either:
- take out cover as a group with your roommates and all be listed on the policy, or
- take out your own individual policy for the contents only you own.
Cover will only be provided for contents owned by people listed on the policy. The amount you want to insure for should represent those items.
I'm placing some contents in storage, how do I ensure that my items are covered?
To ensure your General Contents are covered while they’re in storage, you must first get in touch with RACV Insurance. This is to let RACV Insurance know:
- the value of the items
- where you intend to store the items to make sure it meets acceptance criteria.
Keep in mind that valuable contents aren’t covered in storage. Check the Product Disclosure Statement for more information on what’s not covered in storage.
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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
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Motor Insurance
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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.