For homeowners who want comprehensive cover for both their property and personal belongings.
Stay protected with RACV Home Insurance
Explore cover for your home or belongings, with options for homeowners, renters and rental providers.
Compare options for homeowners
This is a summary only. For a full list of inclusions, conditions, limits and exclusions, read the Product Disclosure Statement.
Buildings and Contents Insurance
Buildings Insurance
For homeowners who want cover for the building only — that’s the structure of your home and permanently-attached fixtures.
Contents Insurance
For homeowners who want cover to repair or replace personal belongings, including household appliances, TVs, clothes and tools.
Renting or renting out?
This is a summary only. For a full list of inclusions, conditions, limits and exclusions, read the Product Disclosure Statement.
Types of events you can claim for
Insured events you can claim for if they impact your home or contents. For all limits, conditions and exclusions, check the Product Disclosure Statement.
Enjoy more discounts with RACV
With living costs on the rise, we’re here to help you insure what matters most while protecting your wallet.
Save up to 10% with multiple policies
Take out 2 or more eligible policies and save up to 10% on each – including home and car insurance.*
If you take out RACV Building and Contents Insurance, you'll automatically be eligible for the multi-policy discount.
Save up to 25% with the no claims bonus
You’ll get a 5% bonus discount at renewal time for every consecutive year you hold your policy without making a claim, for a maximum of 25% off your premium.
If you need to make a claim, your bonus will drop by 10% at renewal, stopping at a 0% bonus.
Save up to 20% with loyalty discounts
The longer you’re a member, the greater the discount on your home insurance and other selected products.*#
Save $50 on an Emergency Home Assist plan
When you buy at the same time as your home insurance policy.‡
You never know when you’ll need an emergency plumber, locksmith or electrician. Online offer only, each product sold and charged separately.
Get up to $50 in energy bill credits with Arcline by RACV
Switch your energy to Arcline by RACV’s Member Plan and get up to $50 credit after 3 months – that’s $25 off your electricity bill and $25 off your gas bill.~
Save with 3000+ member benefits
When you take out an RACV Insurance policy, you’ll automatically become an RACV Member and gain access to exclusive benefits and deals.
Members save on everyday essentials like groceries and fuel, as well as travel attractions, events and movie tickets.
Stay connected and get support
Members can easily check policies or get quotes in the RACV App.
24/7 claims online, or get help from the claims team.
View your policy and access your documents anytime.
Keep track of upcoming payments and view your payment history.
Save on fuel, shopping, attractions and more with RACV Member benefits.
Frequently asked questions
The amount you insure your home for (the 'sum insured') should be enough to cover the cost of rebuilding your home at today's prices.
When we talk about your home, we don't just mean the building itself. Home improvements and fixtures permanently attached to your home could count, too.
When calculating your building sum insured, make sure you include the cost of:
- fences
- sheds
- in-ground pools
- covered car spaces
- demolition and debris removal
- building and planning professionals
- statutory or regulatory requirements.
Keep in mind
- If you underinsure your home, you may be caught short if you have to totally rebuild.
- If you insure your home for more than it costs to rebuild, you'll only be able to claim the actual cost to do so.
You can use our building calculator to help estimate costs. For a full list of what you can cover, see the Product Disclosure Statement.
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The amount you insure your contents for (the 'sum insured') should be enough to cover the cost of repairing or replacing your belongings at today's prices.
When calculating your contents sum insured, make sure you include the cost of:
- furniture and appliances
- clothing and linen
- mobile phones, computers and tablets
- internal blinds
- curtains and drapes
- carpets and rugs
- furnishings
- medical items
- toys
- tools (limits apply for tools of trade).
Keep in mind
- If you underinsure your contents, you may be caught short if you have to repair or replace them.
- If you insure your contents for more than it costs to repair or replace them, you'll only be able to claim the actual cost to do so.
You can use our contents calculator to help estimate costs. For a full list of what you can cover, see the Product Disclosure Statement.
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You can check what you’re covered for in a few different places.
In the RACV App
- Open the RACV App and click ‘My products’.
- Select the product you want to check, and click ‘View and manage product’ in the pop-up.
- Check what you’re covered for by viewing your policy summary and additional documents, or check your sum insured.
In your online account
- Log into your online account
- Under the ‘My products’ section, click ‘View details’ next to the product you want to check.
- Check what you’re covered for by viewing your policy summary and additional documents, or check your sum insured.
Your Certificate of Insurance will also include details about your cover, any limits that apply and additional extras.
For more information on your insurance policy, read the relevant Product Disclosure Statement.
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Yes, but the process might be different depending on your plans.
Increasing your excess
You can do this at any time during the policy period, as long as no claims are pending.
Decreasing your excess
You can only do this when your policy is due for renewal, and no claims are pending.
Your current Certificate of Insurance shows the amount and types of excesses that apply to your policy.
How it works
Your basic excess can be $100, $200, $300, $500, $750, $1,000, $2,000, $3,000, $4,000 or $5,000. If you're aged 50 or older, you can choose a $0 excess, instead of $100.
Keep in mind
Choosing a higher basic excess can reduce your premium. But remember, if you make a claim, you'll pay more out of pocket.
Changing your excess may also affect the types of incidents for which you can make a claim. For example, if the damage is not above the basic excess, you’ll be unable to claim.
To change your excess on your home insurance policy, call 13 72 28.
Look out for new ways to do this online, coming soon.
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When your insurance is due for renewal, you'll find the details on your renewal notice.
You will receive this via mail or email, depending on your communication preferences. You can also find a copy in your online account.
To renew your policy:
- Go to your online account
- From your dashboard, review your policy details
- Click ‘Make payment’ when you’re ready to renew.
When to pay
If you have monthly direct debit payments set up, you don’t need to do anything – we’ll take payment on your regular date.
If you pay your policy annually, you'll need to make a payment before the due date.
You can pay online, over the phone, in one of our retail or agency stores, or at your local post office. Payment methods include Visa or Mastercard, PayPal or BPAY.
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You can make a claim 24/7 in the app, online or by phone.
What you need to make your claim
Provide information on the incident, like recorded time, a description of what happened and proof of ownership (for contents claims).
Include photos of any damage to help with your claim, and a damage report if necessary.
If anything's been stolen or there’s property damage from a break-in, contact the Police Assistance Line on 131 444 before making an insurance claim. Later, when you make your claim, you may need to add the police report reference number and the date reported.
For more advice, read our claims guide.
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* The Multi-Policy Discount and Years of Membership Benefits exclude Travel, Business and Farm Insurance products. To qualify for the Multi-Policy Discount, you must hold two eligible RACV Insurance policies. For further details, see the Premium, Excess and Discounts guide at racv.com.au. Discounts will only be applied until any applicable minimum premium is reached. On renewal, any increases or decreases in your premium may be limited by factors such as your previous year’s premium. You may not save more with more eligible policies and by staying with RACV Insurance longer if a minimum premium is reached, or limits have been applied to increases or decreases in your premium.
^ RACV Home Insurance recognised in Mozo People’s Choice Awards 2023–2025 – more information on the awards research methodology at https://mozo.com.au.
† RACV Insurance recognised in the Finder Customer Satisfaction Awards – more information on the awards research methodology at https://www.finder.com.au/finder-awards.
+ Unless you have chosen to remove flood, rainwater run-off or storm surge cover (if that option was offered to you). Other exclusions apply including that damage caused by actions of the sea is not covered.
# RACV Years of Membership: at 5 years Bronze cardholders receive a 5% discount, at 10 years Silver cardholders receive a 10% discount, at 25 years Gold cardholders receive a 15% discount and at 51 years Gold 50 cardholders receive a 20% discount.
‡ Discounted price only applies to the first 12 months and when you buy the plan at the same time as your insurance. You'll be charged for your Emergency Home Assist and insurance separately and you cannot choose the 'pay later' option. If you choose to pay monthly, an administration fee of $0.04 per annum applies. RACV Emergency Home Assist is an emergency home service product, separate to insurance, that is provided by Royal Automobile Club of Victoria (RACV) Ltd and not RACV Insurance Services Pty Ltd. It is a fast response service for common plumbing, electrical and locksmith emergencies, all for one annual fee. Up to 1 hour of labour, including minor parts and materials, is used to repair or make your home safe. Emergency Home Assist does not insure you against the costs of a home emergency and is not a home insurance product. Call outs are unlimited, subject to the fair use policy. Refer to the RACV Emergency Home Assist Terms and Conditions (PDF, 254.3KB) for more details.
~ Credit available to eligible customers signing up with a new account or adding a new type of account, and applied after 3 months if supply not transferred. Customers must provide a valid active RACV Member Number. Limit of one (1) credit for electricity and one (1) credit for gas per property in any 12 month period. The credit cannot be exchanged for cash, transferred to another account, or refunded. Arcline by RACV reserves the right, acting reasonably, to modify, suspend, extend or cancel this offer as appropriate. Fact sheets available at energy.arcline.com.au/energy-fact-sheets. Read the full Terms and Conditions for this offer. You can find our Market Terms here. For clear advice on the right plan for you, contact us at support@energy.arcline.com.au.
The information provided is general advice only. Before making any decisions please consider your own circumstances and the Product Disclosure Statement and Target Market Determinations. For copies, visit racv.com.au. As distributor, RACV Insurance Services Pty Ltd AFS Licence No. 230039 receives commission for each policy sold or renewed. Product(s) issued by Insurance Manufacturers of Australia Pty Ltd ABN 93 004 208 084 AFS Licence No. 227678.