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.
You'll receive cover for the structure, home improvements and permanent fixtures of your rental property following an insured event.
RACV must agree to pay the costs before you make any arrangements.
You'll receive cover for the structure, home improvements and permanent fixtures of your rental property following an insured event.
RACV must agree to pay the costs before you make any arrangements.
You'll receive cover for the furniture and furnishings provided to your tenants including carpets and curtains following an insured event.
You'll receive cover for the furniture and furnishings provided to your tenants including carpets and curtains following an insured event.
You’ll receive cover for when things happen to both the building and contents of your property following an insured event.
RACV must agree to pay the costs before you make any arrangements.
You’ll receive cover for when things happen to both the building and contents of your property following an insured event.
RACV must agree to pay the costs before you make any arrangements.
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:
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.
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.
Get 10% off your insurance policies when you take out two or more eligible RACV insurance policies^
As an RACV member, you have access to a range of benefits and savings not just on RACV products, but also from retailers around Australia on motoring, home, leisure and entertainment.
Not sure how much you need to cover? Check how much it would cost to rebuild your entire property with our online calculator.~
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.
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 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 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 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 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.
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.
