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 8.1 Based on 22
RAC home insurance reviews
7.8 8.1 7.9 7.8 8.1

Latest reviews of RAC Home & Contents Insurance

  • OK

    1. Overall customer rating
    2. (Reviewed 22 days ago)

    We have been with RAC for years, so don't really know how well they would pay up, no claims entered.  Full review 

    We have been with RAC for years, so don't really know how well they would pay up, no claims entered.


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

    Was this review helpful? Yes flag

  • RAC is fast, simple and fair

    1. Overall customer rating
    2. (Reviewed 23 days ago)

    Very quick. They don't pull out the T&C's to try and scam you! Simple forms.  Full review 

    Very quick. They don't pull out the T&C's to try and scam you! Simple forms.


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

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  • Competitive prices

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

    Haven't made many claims, so can't really judge.  Full review 

    Haven't made many claims, so can't really judge.


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

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  • Trust worthy

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

    Never had any trouble with my insurer the RAC for both house & contents, also car insurance.  Full review 

    Never had any trouble with my insurer the RAC for both house & contents, also car insurance.


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

    Was this review helpful? Yes flag

  • Great company

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

    Great deals.  Full review 

    Great deals.


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

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  • Show more reviews

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