It pays to compare home insurance

The cost might be the same but not the cover.

Why choose RACV?

  • RACV is here to answer your claims call 24/7
  • If you accidentally leave your door open you will still be covered by RACV
  • If an insured item is stolen, damaged or destroyed by any event listed in your policy, RACV will replace it with a new one
  • RACV offers temporary accommodation for up to 12 months if your home becomes unlivable after an incident
  • Victoria's most trusted insurance
  •  Optional: Accidental damage cover such as if you spill a drink on your laptop, drop your smart phone or knock over the TV
  • Choice of excess

    Choose the basic excess that’s right for you. You can reduce your premium with a higher excess but remember the excess is what you pay each time you make a claim.

  • Newly built home discount

    If you insure a new home, you may be eligible for further savings on your premium.

  • Choose how you pay

    Pay annually and save using RACV’s range of easy-to-use payment options, or pay monthly using direct debit from your bank account or credit card.

  • Home insurance

    Covers your buildings and permanently attached fixtures such as light fittings and kitchen cupboards. Includes garage, carport, fences, pools and spas

  • Contents insurance

    Covers incidents such as fire, theft and attempted theft, vandalism, broken glass, storm, storm surge, flood, impact damage, animal damage, earthquake, explosion and more

 

Policy Documents

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.

Download

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.

Download

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.

Download

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.

Download

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.

Download

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.

Download

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.

Download

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.

Download

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.

Download

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.

Download

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. 

Download

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. 

Download

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.

Download