RAC Home & Contents Insurance

  • RAC
  • Main events covered
    • Fire
    • Theft
    • Flood
    • Storm
  • Items covered
    • Building
    • Contents

Policy and service features

Days unoccupied until cover stops
60
Underinsurance protection
New for old
Basic excess from
$0
Choice of excess
Pay monthly at no cost
Discounts
15% combined policy discount, up to 25% security alarm discount, $70 online discount, 10% Road assistance member discount, <5 years old building discount
Service 24 7
Away from home
Limits apply
Open air contents
Up to $1,500
Legal liability cover
Up to $20,000,000

Events

Accidental loss and damage
Optional extra
Accidental breakage of glass
Fire
Lightning
Storm
Flood
Earthquake
Fusion
Reasonable costs
Power surge
Explosion
Escape of liquid
Storm surge
Impact damage
Theft or burglary
Malicious acts and vandalism
Riots and civil commotion

Buildings

Buildings and structural improvements
Building materials
Landscaping
Gates and fences

Contents

Cash
Up to $150
Credit card
Up to $200
Cd dvd and electronic files
Up to $2,000
Computer software hardware
Camera and accessories
Carpets
Handwoven carpets
Antiques and valuables
Up to $2,000 per item
Jewellery
Up to $3,000 combined with gems and precious stones
Uncut gems
Up to $3,000 combined with jewellery and watches for gems and precious stones only
Replacement of documents
Identity theft
Personal medical equipment
Tools of trade
Up to $1,500
Stock and inventory
Home office contents
Up to $5,000

Other cover

Death and injury
Veterinary expenses
Lock replacement
Reasonable cost
Temporary accommodation
Up to 3 months, up to 10% of SI
Temporary accommodation for pets
Emergency storage
Debris removal
Reasonable cost
Demolition cost
Reasonable cost
Temporary repairs
Changing address
Up to 14 days
Contents while moving
Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

How is RAC home insurance rated by the Mozo community?

Product Type Overall Rating Price Features Service Claims Handling Trust
RAC home insurance 8.5 Based on 20
RAC home insurance reviews
7.8 8.1 8.2 8.3 8.6

Latest reviews of RAC Home & Contents Insurance

  • Competitive Price

    1. Overall customer rating
    2. (Reviewed 15 days ago)

    The RAC are a competitively priced insurer. The benefits are that they are based in WA so you can always talk to someone who speaks English. They are helpful and know their products, although they are less certain and unable to explain why you...  Full review 

    The RAC are a competitively priced insurer. The benefits are that they are based in WA so you can always talk to someone who speaks English. They are helpful and know their products, although they are less certain and unable to explain why you get a cheaper price if you do it via their website than if you do it over the phone. They are a little sloppy with sending out or emailing paperwork, but very helpful when you phone up to remind them about it.


      1. Value for money
      1. Policy coverage
      1. Customer service
      1. Claims handling
      1. Trust
    Less
    RAC home insurance review by Carolyn from Western Australia

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  • Customer service always awesome

    1. Overall customer rating
    2. (Reviewed 15 days ago)

    They have always provided us with great service.  Full review 

    They have always provided us with great service.


      1. Value for money
      1. Policy coverage
      1. Customer service
      1. Claims handling
      1. Trust
    Less
    RAC home insurance review by Patricia from Western Australia

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  • Easy to use online forms and comprehensive website

    1. Overall customer rating
    2. (Reviewed about 1 month ago)

    Easy to get hold of a real person by phone and availability of claim forms online, user friendly.  Full review 

    Easy to get hold of a real person by phone and availability of claim forms online, user friendly.


      1. Value for money
      1. Policy coverage
      1. Customer service
      1. Claims handling
      1. Trust
    Less
    RAC home insurance review by Christina from Western Australia

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  • 10 out of 10

    1. Overall customer rating
    2. (Reviewed about 2 months ago)

    The Insurance company is great value and I am very happy with it.  Full review 

    The Insurance company is great value and I am very happy with it.


      1. Value for money
      1. Policy coverage
      1. Customer service
      1. Claims handling
      1. Trust
    Less
    RAC home insurance review by Bryce from Western Australia

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  • Customer Service

    1. Overall customer rating
    2. (Reviewed 6 months ago)

    Have had insurance with RAC for over 10 years and they have been fantastic.  Full review 

    Have had insurance with RAC for over 10 years and they have been fantastic.


      1. Value for money
      1. Policy coverage
      1. Customer service
      1. Claims handling
      1. Trust
    Less
    RAC home insurance review by Renai from Western Australia

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