Add cover for accidental damage to your home – whether it's caused by you, someone you're living with or a guest.
This includes things like accidentally putting your foot through the ceiling.
Quality cover for your home
Including permanent fixtures (like cupboards and floorboards) and structures (like garages and sheds).
What's covered by Buildings Insurance
- Covered
- Not covered
For full details of what is and isn’t covered, see the Product Disclosure Statement. For further details on how your premium, excess levels and discounts are calculated, see the Premium, Excess and Discounts Guide.
Here are some examples of what’s not covered by RACV Buildings Insurance.
For full details of what is and isn’t covered, see the Product Disclosure Statement. For further details on how your premium, excess levels and discounts are calculated, see the Premium, Excess and Discounts Guide.
Browse optional add-ons
Tailor your cover to suit your needs when getting a quote. Some options may change your premium.
Types of events you can claim for
You’re covered for up to 16 insured events+ if they impact your home. For a full list of events, limits, conditions and exclusions, check the Product Disclosure Statement.
Compare options for homeowners
This is a summary only. For a full list of inclusions, conditions, limits and exclusions, read the Product Disclosure Statement.
Frequently asked questions
Buildings insurance covers your home’s physical structures, home improvements and permanent fixtures if they’re damaged in an insured event.
Structures and home improvements include your:
- house
- garage
- carport
- fences
- in-ground pools.
Permanent fixtures include your:
- built-in wardrobes
- kitchen cupboards
- floating floorboards.
For more information, call us on 13 72 28 or visit a retail store.
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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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Your home insurance premium is calculated using many factors, and is unique to you. Factors like your personal circumstances, details about the property or items being insured, and other business considerations are taken into account.
Keep in mind that your premium may change at renewal time each year.
For more information, check the Premium, Excess and Discounts Guide.
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If you live in and own an apartment, you may be part of a strata who collectively own the building. This means the building insurance could be covered by the strata fees you pay – your strata manager or owners corporation should be able to tell you if this is the case.
If you rent an apartment, then your rental provider would usually insure the building.
Want to help protect your belongings? Learn more about contents insurance for homeowners or renters insurance.
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It depends on the work you're doing.
You're covered for:
- insured events when your renovations are only internal cosmetic changes (like painting or replacing your carpet)
- up to $1,000 for building materials (like bricks and tiles) and items that will be fitted (like a dishwasher or oven).
You're not covered for:
- damage to building or contents as a direct result of building works
- storm or water damage through an opening made for renovations.
- liability for building works above $50,000.
You may want to update the amount your home is insured for, to make sure it's enough to cover your renovations.
Let us know about your renovations
Call 13 72 28 to chat about how renovations might affect your cover. You should tell us:
- when you expect to start and finish the work
- how much it’s likely to cost
- a detailed description of the work, including which rooms are affected
- who will live in your home during the renovation.
For terms and conditions, read the Product Disclosure Statement.
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† 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.
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.