RACV Landlord Insurance

The landlord insurance to suit your rental and rental income needs

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  • Great features and benefits

    Accidental damage, fire and theft cover included, with many other additional benefits

  • Flexible, to meet your needs

    Choose the extras you want and how you wish to pay

  • Range of great discounts

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

  • Landlord Buildings Insurance

    Provides cover for the structure of your buildings as well as protecting your rental income

  • Landlord Contents Insurance

    Landlords Contents Insurance covers furnishings owned by the landlord and available for the tenants' use as well as protecting your rental income.

  • Landlord Combined Buildings and Contents Insurance

    Provides cover for rental income and both the structure of your buildings and contents owned by the landlord available for tenants' use.

  • Up to $5000 rent default cover included

    If your tenant stops paying rent, including if they leave without notice during the term of their rental agreement

  • Up to $5000 towards your legal costs to recover rent

    As long as your claim for rent default is covered

  • Up to 12 months loss of rent covered too

    If it's agreed your tenant can’t live at your rental property following an insured event, you are covered for your loss of rent. We pay this on top of your buildings sum insured

  • Theft or attempted theft, and vandalism, malicious or intentional acts by your tenant or their guest

    Covered under Landlord Buildings Insurance and Landlord Contents Insurance

  • Wide range of listed events covered

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

  • Up to $20 million in liability cover

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

  • Furniture, fittings and carpets used by your tenant

    Covered for up to 10% of your buildings sum insured

  • Keys and locks

    Up to $800 to replace an external key and lock barrel to your rental property if the key is stolen during a claimed theft at the property

  • Costs of meeting current building regulations

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

  • Choose to cover your rental property, rental property contents or both

    Includes your rental buildings, fixtures, fences, garage and home improvements, and furniture and furnishings, carpets and electrical items

  • New for old cover for landlord contents

    If an insured item is stolen, damaged or destroyed by any event listed in your policy, we'll replace it 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

  • Aussie Assist for your rental or investment property

    For 24/7 over-the-phone emergency and information assistance, such as tradespeople referrals to take on the routine maintenance and repair jobs at your rental property

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.

Download

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.

Download

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.