Feel more confident with your home and contents 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 and 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 home and belongings – whether it's caused by you, someone you're living with or a guest.
This includes things like accidentally knocking over your TV or putting your foot through the ceiling.
Add cover for electric motors that burn out in air conditioners, 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 home or 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.
Your home and contents are covered for damage caused by a range of insured events.
You're not covered for:
For full details of what is and isn’t covered, 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.
It depends on the work you're doing.
You're covered for:
You're not covered for:
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:
For terms and conditions, read the Product Disclosure Statement.
If you add accidental damage to your Combined Building and Contents policy, you’ll be covered for any unintentional damage to your home or belongings.
This includes things like knocking over your TV, putting your foot through the ceiling while in the roof space or spilling red wine on a white carpet.
Keep in mind that a $300 excess will apply for accidental damage claims.
* 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.
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.