RACV Contents Insurance covers the cost to repair or replace general items such as furniture, carpet and electrical equipment that have been damaged as a result of an insured event. You can also add optional cover to protect your portable items, like your favourite watch, to ensure you're covered outside the home. For full details, see our policy documents below.
This is only a summary of the inclusions for RACV Contents 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.
Valuable Items inside the home
The standard policy provides cover for $2,500 under each category (for example, works of art and jewellery and watches). You can increase your level of cover for any of these categories by letting us know what amount above $2,500 you’d like to insure your valuables for.
Accidental Damage inside the home
Prone to a lot of ‘oops!’ moments? Get cover for unintentional damage to your General Contents or Valuable Items. It covers things like accidentally knocking over your TV.
Portable Items anywhere in Australia and New Zealand
Insure items you or your family might take with you when you leave your home such as phones or laptops. Covered up to $10,000 (unless you list it separately for more). If you take your items outside Australia or New Zealand, the most we pay is $10,000 for all items.
Burn out of electrical 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 Contents 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.
Not sure how much cover you need? Check how much it would cost to rebuild your entire property with our online calculator.
How safe is your suburb? Find out burglary crime rates in your post code with RACV’s comprehensive Victorian Home Burglary Statistics.
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.
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 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.
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.
