1. Easy 24/7 claims service

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

  2. Range of great discounts

    Years of Membership Benefits and Multi-Policy Discount

  3. Great features and benefits

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

What RACV Home Buildings Insurance covers

Buildings cover

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

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.

We pay these costs for the reasonable time we agree it should take to repair or rebuild your home for up to 12 months from when the listed event took place.

 

Wide range of events covered

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

This is only a summary of the inclusions for Home Buildings Insurance policy. For more information, such as conditions, limits and exclusions, please read the Product Disclosure Statement.

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.

Up to $20 million in liability cover

To cover claims that are made against you or your family if a third party 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 if they’re damaged or destroyed by any event listed in your policy. RACV must agree to pay the rebuilding fees before you make any arrangements.

Optional extras

Accidental damage

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

 

Burn out of electric 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.

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This is only a summary of the inclusions for Buildings Insurance policy. For more information, such as conditions, limits and exclusions, please read the Product Disclosure Statement.

We like rewarding our loyal members

mature couple sitting on couch laughing

Reduced premium if you're 50 years or over

50 or over? You get RACV Prime Cover Home Contents Insurance with reduced premium and additional benefits such as an option for a nil excess so you don't have to pay any basic excess.

mature couple sitting on couch laughing

Reduced premium if you're 50 years or over

50 or over? You get RACV Prime Cover Home Contents Insurance with reduced premium and additional benefits such as an option for a nil excess so you don't have to pay any basic excess.

Resources

Looking for something else? Explore our other insurance products

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

^ 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.