RACV Home Buildings Insurance

The buildings insurance to suit your needs with the service you expect from RACV

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  • Great features and benefits

    So you can repair or rebuild your home after a fire or other listed event

  • Range of great discounts

    Years of Membership, 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

  • Buildings cover

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

  • Wide range of events covered

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

  • Optional accidental damage cover

    For unintentional mishaps such as putting a hole in a wall moving furniture or accidentally damaging the floorboards

  • Building materials included

    Up to $1000 for loss or damage to building materials (e.g.bricks, tiles and timber) at your home following a listed event

  • Optional cover for the burnout of electric motors

    That are less than 15 years old, not covered by warranty and part of your home buildings and permanently attached fixtures, such as in a ducted air conditioning unit

  • Up to $20 million in liability cover

    To cover claims that are made against you or your family if someone else is injured or dies, or for loss or damage to their property, in an incident at your home or site

  • Repair and rebuild

    You are covered to repair or rebuild your buildings as new if they’re damaged or destroyed by any event listed in your policy

  • 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

  • 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 Buildings Insurance for a 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). Also temporary accommodation for your pets, removal and storage of your contents and any additional expenses that are reasonable and appropriate

  • Includes costs of demolishing and removing debris

    With our approval, the costs to demolish and remove debris following a listed event, and costs to make your site safe such as temporary fencing

  • Costs of meeting current building regulations included

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

  • 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

    Call 13 19 03 anytime for assistance, including help finding qualified tradespeople and gardeners to take on those routine maintenance and repair jobs around your home

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%

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 17 January 2016 and renewal policies with a start date on or after 7 March 2016.

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RACV Home Insurance Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 13 September 2015 and renewal policies with a start date on or after 2 November 2015 and new business policies with a start date before 17 January 2016 and renewal policies with a start date before 7 March 2016.

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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 January 2016 and renewal policies with a start date on or after 7 March 2016.

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RACV Landlord Insurance Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 13 September 2015 and renewal policies with a start date on or after 2 November 2015 and new business policies with a start date before 17 January 2016 and renewal policies with a start date before 7 March 2016.

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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.