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 9.0 Based on 4
RAC home insurance reviews
8.5 8.8 9.2 9.5 9.2

Latest reviews of RAC Home & Contents Insurance

  • Great Service and Coverage

    1. Overall customer rating
    2. (Reviewed 4 days ago)

    RAC home and contents. Easy to speak to the customer service available to suit WA hours, helpful, knowledgable and no hidden extras.  Full review 

    RAC home and contents. Easy to speak to the customer service available to suit WA hours, helpful, knowledgable and no hidden extras.


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

    Was this review helpful? Yes flag

  • Competitive premiums, nothing's a problem

    1. Overall customer rating
    2. (Reviewed 11 days ago)

    Nothing seems to be an issue with them, they make changes without a fuss, link policies, add policies, without any issues what so ever.  Full review 

    Nothing seems to be an issue with them, they make changes without a fuss, link policies, add policies, without any issues what so ever.


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

    Was this review helpful? Yes flag

  • Competitive permiums go a long way

    1. Overall customer rating
    2. (Reviewed 11 days ago)

    I like them because they have exceeded my expectations in every way. I dislike them because the staff you speak to aren't always as pleasent to speak to as you might expect. Pros: Very quick to act. Very well priced. Cons: Some staff need to wo...  Full review 

    I like them because they have exceeded my expectations in every way. I dislike them because the staff you speak to aren't always as pleasent to speak to as you might expect. Pros: Very quick to act. Very well priced. Cons: Some staff need to work on their customer service skills.


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

    Was this review helpful? Yes flag

  • Great service

    1. Overall customer rating
    2. (Reviewed 11 days ago)

    Very good customer service over the phone. Details explained clearly. Well priced.  Full review 

    Very good customer service over the phone. Details explained clearly. Well priced.


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

    Was this review helpful? Yes flag

  • Trustworthy, helpful, and cost effective

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

    Always helpful when they are called - and anything requiring immediate attention is dealt with quickly. These and the other efficiencies they consistently display have made the RAC our Insurer of choice, for over 25 years.  Full review 

    Always helpful when they are called - and anything requiring immediate attention is dealt with quickly. These and the other efficiencies they consistently display have made the RAC our Insurer of choice, for over 25 years.


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

    Was this review helpful? Yes flag

  • Show more reviews

Compare other home insurance