• Protection for your investment


    Whether you're a first-time investor or a rental property veteran, one thing never changes, it’s always best to expect the unexpected. With RACV Landlord Insurance, you can choose from three forms of cover to protect your investment. For full details, see our policy documents below.

RACV Landlord Insurance options

What you're covered for

Regardless of your choice to insure your building or contents or both, you'll be covered for the following when you take out an RACV policy:

  • Rent default up to $10,000 and up to $10,000 towards your legal costs to recover rent.1
  • Loss of rent cover for up to 12 months if your rental property is uninhabitable following a listed event.2
  • Lock replacement costs 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.3
  • Damage by tenants and tenant's pets including theft by the tenant or their guest.2
  • Damage from drug distribution and storage: Damage caused by a tenant or their guest by the manufacturing, storage or distribution of illegal drugs.
  • Lawful removal and disposal of tenants’ possessions costs up to $10,000 if a tenant leaves without notice.
  • A range of events, such as fire, theft and attempted theft, vandalism, storm, storm surge, animal damage, earthquake and explosion.
  • Up to $20 million in liability cover to handle a claim made against you for an incident taking place at your home or site which causes death or injury to someone else or loss or damage to someone else's property.

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.

What's not included

These are a few examples of things not covered by RACV Landlord Insurance. Make sure you check the Product Disclosure Statement for a full list of conditions, limits and exclusions.

  • Loss or damage caused intentionally by you or by someone else with your or your tenant's consent.
  • Items that are covered by an insurance policy taken out by an owners’ corporation or similar body, or part of common property.

Ways you can save with RACV

Useful links

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

~ 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. 
1 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.
2 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.
3 Does not apply if only claiming for theft of keys.

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. 

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