RACV Renters Insurance

With RACV Renters Insurance you get the insurance cover to suit your needs at the right price

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  • Flexible and great value

    Get the renter’s insurance to suit your needs at the right price

  • Range of great discounts

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

  • Easy 24/7 claims service

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

From as little as $20 a month, RACV Renters Insurance has got you covered

What you are covered for

  • Wide range of events covered

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

  • Optional accidental damage cover

    To cover unintentional mishaps around your home such as spilling a drink on your laptop, dropping your smartphone into water or if someone knocks over the TV

  • Option to insure specified valuables inside your home

    If you want more cover than generally provided for an item or collection (CDs, works of art), insure it as a specified item shown on your Certificate of Insurance

  • Optional portable valuables cover

    Insure specified portable valuables (bikes, phones, laptops) in Australia or New Zealand (inside your home and outside), plus up to $10,000 in total in other countries

  • Optional cover for the burnout of electric motors

    That are part of your contents, less than 15 years old and not under warranty, such as in a fridge. Plus up to $500 for spoilt food or medication caused by their failure

  • Food spoilage included

    Up to $500 to replace spoilt food or prescription medication in a fridge or freezer if an insured event causes an interruption to your electricity supply

  • Credit card theft

    Up to $1000 towards any money you must pay the credit card company if your credit card is stolen from your home and used, and your theft claim is covered

  • Up to $20 million in liability cover

    For you or your family’s legal liability if someone else is injured or dies, or for loss or damage to their propety, in an incident anywhere in Australia

More for you

  • Renting a house, unit or share house? You’re covered

    The same great benefits wherever you are living. If you’re in a share house, insure just your contents and your policy can move when you do

  • New for old cover

    If an insured item is stolen, damaged or destroyed by any event listed in your policy, it's replaced with a new one

  • Choice of excess

    Choose the basic 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

  • Temporary accommodation if you can’t live at your home following an insured event

    You are covered for any extra rent costs for you, your family and pets, any additional living expenses, the costs to remove and store your contents, and return them until your claim is settled, for up to 12 months

  • Aussie Assist emergency information assistance

    Call 13 19 03 anytime for free over-the-phone advice, including referrals to qualified tradespeople such as painters, electricians, or gardeners

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%

Fact Sheets, Product Disclosure Statements, Premium, Excess, Discounts and Benefit Guides

RACV Home Insurance Product Disclosure Statements

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.

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RACV Home Insurance Product Disclosure Statement and Policy Booklet for new business 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 20 March 2017 and renewal policies with a start date before 1 May 2017.

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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 20 March 2017 and renewal policies with a start date on or after 1 May 2017.

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RACV Home Insurance Premium, Excess, Discounts and Benefits Guide for new business policies with a start date on or after 17 January 2016 and renewal policies with a start date on or after 7 March 2016 and new business policies with a start date before 20 March 2017 and renewal policies with a start date before 1 May 2017.

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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 Product Disclosure Statements

RACV Landlord 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.

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RACV Landlord Insurance Product Disclosure Statement and Policy Booklet for new business 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 20 March 2017 and renewal policies with a start date before 1 May 2017.

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 20 March 2017 and renewal policies with a start date on or after 1 May 2017.

Download

RACV Landlord Insurance Premium, Excess, Discounts and Benefits Guide for new business policies with a start date on or after 17 January 2016 and renewal policies with a start date on or after 7 March 2016 and new business policies with a start date before 20 March 2017 and renewal policies with a start date before 1 May 2017.

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.

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Become a member and view all available discounts in one place

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.