Including clothes, furniture, appliances and more. Plus, tailor your policy with optional extras – like covering your phone outside of home.
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 Contents 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.
Tailor your cover to suit your needs when getting a quote. Some options may change your premium.
Add cover to protect belongings you take outside of home, like phones, cameras, laptops or jewellery.
If they’re lost, stolen or unintentionally damaged in Australia or New Zealand, each item is typically covered up to $10,000 (or more if you list separately). Outside these countries, you’ll get up to $10,000 total.
Your policy already includes $2,500 for each valuables category. This option lets you increase your cover for any category:
Add cover for accidental damage to your belongings – whether it's caused by you, someone you're living with or a guest.
This includes things like accidentally knocking over your TV.
Add cover for electric motors that burn out in washing machines, fridges, and other units or appliances. Plus, you'll be covered for service calls, parts and labour costs.
Unit or appliance must be under 15 years old, not under warranty, and not used professionally.
Insured events you can claim for if they impact your contents. For all limits, conditions and exclusions, check the Product Disclosure Statement.
This is a summary only. For a full list of inclusions, conditions, limits and exclusions, read the Product Disclosure Statement.
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:
Keep in mind
You can use our contents calculator to help estimate costs. For a full list of what you can cover, see the Product Disclosure Statement.
Your phone is covered for insured events when you’re inside your home, if you include its value in your general contents.
Extra cover you can add
To update your policy call us on 13 72 28.
For full details of what is and isn't covered, see the Product Disclosure Statement.
Some of your general contents can be covered if they're in storage in Australia. An additional premium may apply.
Before you move your belongings into storage, you’ll need to tell us:
To see what can be covered in storage, check the Product Disclosure Statement. Call 13 72 28 to chat to the team.
^ 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.
‡ Cover available if your contents are currently insured with RACV Contents Insurance. You must provide the details of your permanent home within 14 days from when you start moving and pay any additional premium.
+ 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.