Add cover for things you leave home with — like phones, cameras or laptops. The most payable for Items taken outside Australia or New Zealand is $10,000 in total.
Award-winning home insurance^
RACV home and contents Insurance — also known as combined Buildings and Contents Insurance — covers your home and belongings against fire, flood+, theft or other insured events.
Victoria’s top choice for customer satisfaction
2025 winner: Mozo People’s Choice Award for Outstanding Customer Satisfaction.^ Trusted by Victorians to protect what matters most.
What’s included with home and contents
- Included
- Not included
Read the Product Disclosure Statement for a full list and description of items covered in building, contents and combined policies. The Premium, Excess and Discounts guide (PED) provides further details on how we calculate your premium, excess levels and discounts.
Here are some examples of what’s not covered by RACV Home Buildings and Contents Insurance.
Read the Product Disclosure Statement for a full list and description of items covered in building, contents and combined policies. The Premium, Excess and Discounts guide (PED) provides further details on how we calculate your premium, excess levels and discounts.
Get more value for your home
Explore extra coverage while you're getting a quote. Some options may change your premium.
Portable contents
Valuables inside your home
Increase your cover for any valuables category — such as jewellery or art — to suit your needs. Your policy includes $2,500 for each category.
Accidental damage
Add accidental damage cover for your home or belongings — whether caused by you or a guest. This covers things like accidentally knocking over your TV or putting your foot through the ceiling.
Fusion cover for appliances
Add cover for appliances (like ovens or fridges) if damaged by power surges. Appliances must be under 15 years old, not under warranty, and not used professionally.
Compare with our other home insurance options
This is a summary only. For a full list of inclusions, conditions, limits and exclusions, read the Product Disclosure Statement.
Offers for your home
Save 80% on Emergency Home Assist‡
Emergency trades on-call 24/7
Save 80% on Emergency Home Assist when you buy a 12-month plan with your home insurance‡. Includes plumbers, electricians and locksmiths on-call 24/7 for home emergencies. Each product sold and charged separately.
Members get up to $50 bill credit†
Arcline by RACV energy plans
Switch your energy to Arcline by RACV's Member plan and get $25 off your electricity bill plan and $25 off your gas bill after 3 months†. Plus Victorian-based support and carbon offset energy usage, all backed by RACV.
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 our 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
Your home and contents are covered for damage caused by a range of insured events.
You're not covered for:
- pre-existing damage to your building or contents
- wear and tear
- loss or damage that is deliberately caused by members of your household or guests
- damage caused by vermin or insects, including termites
- plants, trees and shrubs growing in the ground
- any vehicles kept on your property
- stock used in a business, trade or profession
- loose or unset gemstones.
For full details of what is and isn’t covered, see the Product Disclosure Statement.
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Your phone is covered for theft or damage at home caused by insured events when 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 while you're away from home. You can 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.
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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 $1000 for building materials (like bricks and tiles)
- up to $1000 for items that are due to be fitted (like a dishwasher).
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.
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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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.
So, if you knock over your TV, put your foot through the ceiling while you’re in the roof space or spill some red wine on a white carpet, RACV Insurance will help you sort it out.
Keep in mind that a $300 excess will apply for accidental damage claims.
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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 2024 - more information on the awards research methodology at https://mozo.com.au
+ 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.
‡ 80% off only applies to the first 12 months and when you buy the plan online 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 50 cents is included in your monthly payment amount, equivalent to a maximum of $6 per annum. 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.