Take out any eligible RACV Landlord Insurance policy before Sunday 27 October 2019 for your chance to win $100,000 cash.*
RACV Landlord Insurance
Whether you're a first-time investor or juggling multiple properties, RACV Landlord Insurance provides you with cover for when the unexpected happens.
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Tenant damage
- Including damage caused by a pet kept at the site
- Removal of tenants possessions up to $10,000
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Range of great discounts
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Cover for loss of rent
- Up to $10,000 rent default cover
- Up to $10,000 towards your legal costs to recover rent
Regardless of your choice to insure your home or contents or both, we cover the following:
Rent default
Cover if your tenant defaults on rent payments (when your tenant stops paying rent, passes away or leaves without notice), up to $10,000 rent default cover and up to $10,000 towards your legal costs to recover rent.
This cover is not available if a previous claim for rent default, theft or damage by tenant has been paid under the same tenancy or if your tenant is behind rent payments before policy start date. A valid rental agreement is required.
Loss of rent during repairs
Up to 12 months loss of rent covered during repairs, if your rental property is uninhabitable following a listed event (on top of buildings sum insured).
This cover is not available if a previous claim for rent default, theft or damage by tenant has been paid under the same tenancy. A valid rental agreement is required.
Damage by tenants and tenant's pets
Damage by the tenant, theft by the tenant or their guest and more. Damage caused by a pet kept at the site.
This cover is not available if a previous claim for rent default, theft or damage by tenant has been paid under the same tenancy. A valid rental agreement is required.
Removal of tenants' possessions
If a tenancy is terminated or if a tenant leaves without notice, you’ll be covered for up to $10,000 for the lawful removal and disposal of tenants’ possessions.
Replacement of keys and locks
Cover for up to $800 if a key for an external lock to your rental property is stolen during a theft at your site, or is not returned to you upon termination of a tenancy.
Does not apply if only claiming for theft of keys.
Damage by illegal drug contamination
Damage caused by a tenant or their guest by the manufacturing, storage or distribution of illegal drugs.
Wide range of events covered
You will be covered for a wide list of events including fire, storm, vandalism, malicious damage by the tenant, broken glass and more.
This is only a summary of the inclusions for Landlord Insurance policy. For more information, such as conditions, limits and exclusions, please read the Product Disclosure Statement.
Up to $20 million in liability cover
Liability cover protects you for claims that may be made against you for an incident which causes death or bodily injury to a third party or loss or damage to a third party's property.
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Buildings only
Cover for the structure, home improvements and permanent fixtures of your rental property following a listed insured event.
- Rebuilding fees
- Demolishing and removing debris
- Mortgagee discharge costs
RACV must agree to pay the costs before you make any arrangements.
- Rebuilding fees
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Contents only
Cover for the furniture and furnishings provided to your tenants e.g. carpets and curtains.
- New for old contents
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Building and contents
Cover for when things happen to both the building and contents of your property following a listed insured event.
- New for old contents
- Rebuilding fees
- Demolishing and removing debris
- Mortgagee discharge costs
RACV must agree to pay the costs before you make any arrangements.
Read the Product Disclosure Statement for a full list and description of items covered in building, contents and combined policies. The Premium, Excess and Discounts guide (PED) provides further details on how we calculate your premium, excess levels and discounts.
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Calculate what you need
Not sure how much you need to cover? Check how much it would cost to rebuild your entire property with our online calculator.~
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Burglary Statistics
How safe is your suburb? Find out using RACV's comprehensive Victorian Home Burglary Statistics, to discover 2018's burglary crime rates in your postcode.
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Landchecker
Landchecker is an interactive property hub for your property search that simplifies finding land and property information when you’re looking to buy, develop or renovate.
RACV Home Insurance Key Fact Sheets
RACV Financial services guide
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
~ Suggested rebuilding costs are only a guide and it is your responsibility to make sure your buildings are insured for their full replacement value (including any GST).
^ On existing policies discount takes effect at next renewal. Excludes Travel, Business, Farm, Single Item and Pet Insurance products.
*Terms and conditions apply. Competition closes at 11:59pm on Sunday 27 October 2019. Draw will take place at Level 9, 485 Bourke Street Melbourne 3000 on Thursday 19 December 2019 at 11:00am. Winner will be published on the RACV website at www.racv.com.au/royalauto on Friday 20 December 2019 and notified by phone and/or in writing. For full terms and conditions, please refer to www.racv.com.au/competitions. Product issued by Insurance Manufacturers of Australia Pty Limited. Please consider the Product Disclosure Statement.
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.