Our online services are temporarily down. Unless your query is urgent, please try again later.
Quality cover for your belongings
Including clothes, furniture, appliances and more. Plus, tailor your policy with optional extras – like covering your phone outside of home.
What’s covered by Contents 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 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.
Browse optional add-ons
Tailor your cover to suit your needs when getting a quote. Some options may change your premium.
Portable contents cover
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.
Increase cover for valuables
Your policy already includes $2,500 for each valuables category. This option lets you increase your cover for any category:
- jewellery and watches
- collections (like stamps, coins or cards)
- music, games and movies
- art.
Accidental damage cover
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.
Cover for burnt out motors
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.
Types of events you can claim for
You’re covered for up to 16 insured events+ if they impact your contents. 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
Contents insurance covers your belongings at your home if they’re damaged in an insured event.
Contents include items like:
- furniture and appliances
- clothing and linen
- mobile phones, computers and other electronics
- carpets, rugs and curtains
- gardening equipment and tools (limits apply for tools of trade).
For more information, call us on 13 72 28 or visit a retail store.
Did this answer your question?
Thank you for your feedback
Thank you for your feedback
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.
Did this answer your question?
Thank you for your feedback
Thank you for your feedback
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.
Did this answer your question?
Thank you for your feedback
Thank you for your feedback
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
- Accidental damage adds cover for things like dropping your phone and cracking your screen when you’re at home.
- Portable contents adds cover for your phone if it's damaged, lost or stolen when you're outside or away from home. You can also add other types of portable items, like laptops, tablets and smart watches.
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.
Did this answer your question?
Thank you for your feedback
Thank you for your feedback
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:
- the value of the items
- where you’ll store them (to make sure it meets our criteria).
To see what can be covered in storage, check the Product Disclosure Statement. Call 13 72 28 to chat to the team.
Did this answer your question?
Thank you for your feedback
Thank you for your feedback
† 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.