RACV Home and Contents Insurance

The home and contents insurance to suit your needs at the right price

  • Flexible and competitive

    Exceptional insurance cover that's excellent value

  • Range of great discounts

    Years of Membership Benefits, No Claim Bonus and Multi-Policy Discount

  • Easy 24/7 claims service

    With RACV there’s no claim form, it’s all done online or over the phone

  • Covers both your home and home contents

    Includes your buildings, fixtures, fences, garage, home improvements, household goods, clothing, personal items, furniture, furnishings and carpet

  • Wide range of events covered

    Fire, theft and attempted theft, vandalism, broken glass, storm, storm surge, flood, impact damage, animal damage, earthquake, lightning, explosion and more

  • Optional accidental damage cover

    To cover any unintentional mishaps in and around your home - such as accidental damage if someone knocks over the TV, or puts a hole in the wall moving furniture

  • Valuable items cover

    If you want more cover than generally provided for an item or collection inside your home (CDs, works of art), insure it as a specified item shown on your Certificate of Insurance

  • Portable items cover

    Insure specified portable valuables (bikes, phones, laptops) in Australia or New Zealand (inside your home and outside), plus up to $10,000 in total in other countries

  • Food spoilage included

    Up to $500 to replace spoilt food or prescription medication in a fridge or freezer if an insured event causes an interruption to your electricity supply

  • Credit card theft

    Up to $1000 towards any money you must pay the credit card company if your credit card is stolen from your home and used, and your theft claim is covered

  • Costs of meeting current building regulations included

    To repair or rebuild damaged parts of your home up to your sum insured to meet building regulations that have changed since your home was built, renovated or altered

  • Up to $20 million in liability cover

    For you or your family’s legal liability if someone else is injured or dies in an incident in your home, or for loss or damage to their property

  • Calculate how much insurance you need

    For help calculating the level of insurance cover you need for your home buildings or contents, use our insurance calculators below  

    The suggested rebuilding costs are only a guide and it is your responsibility to make sure your home and contents are insured for their full replacement value (including any GST). 

  • The more insurance policies you have with us, the more you could save. When you take out two or more RACV insurance policies you’ll receive 10% off each*


    *On existing policies discount takes effect at next renewal. Excludes Travel, Business, Farm and Single Item Insurance products. 

  • New for old cover

    If an insured item is stolen, damaged or destroyed by any event listed in your policy, it's replaced with a new one

  • Choice of excess

    Choose the 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

  • 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

  • Reduced premium if you’re 50 years or over

    50 or over? You get RACV Prime Cover Combined Home Buildings and Contents Insurance with reduced premium and additional benefits such as an option for a nil excess so you don’t pay anything when you claim

  • Temporary accommodation if your home becomes unliveable

    Until your home is repaired (up to a year). Includes your pets, all your contents and any additional expenses that are reasonable and appropriate

  • Newly built home discount

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

  • Aussie Assist Emergency Information Assistance

    Helping you anytime, any day. Call 13 19 03 for tradespeople referrals or for over-the-phone assistance for home emergencies such as for blown fuses, burglary, bushfire, and burst pipes

RACV saves you money with our Years of Membership Benefits discounts

  • Bronze
    5-9 years

    5%

  • Silver
    10-24 years

    10%

  • Gold
    25-50 years

    15%

  • Gold 50
    51+ years

    20%

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 18 February 2018 and renewal policies with a start date on or after 2 April 2018.

Download

RACV Home Insurance Product Disclosure Statement and Policy Booklet and Supplementary Product Disclosure Statement 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 Product Disclosure Statement and Policy Booklet and Supplementary Product Disclosure Statement for new business policies with a start date on or after 24 November 2013 and renewal policies with a start date on or after 6 January 2014 and new business policies with a start date before 20 March 2017 and renewal policies with a start date before 1 May 2017.

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 18 February 2018 and renewal policies with a start date on or after 2 April 2018.

Download

RACV Home 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 18 February 2018 and renewal policies with a start date before 2 April 2018.

Download

RACV Home 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

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 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.

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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.