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 7.8 Based on 38
RAC home insurance reviews
7.2 7.9 8.2 7.8 7.8

Latest reviews of RAC Home & Contents Insurance

  • Trustworthy, helpful, and cost effective

    1. Overall customer rating
    2. (Reviewed 5 days 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

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  • Competitive premium & prompt claims & repairs

    1. Overall customer rating
    2. (Reviewed 17 days ago)

    We had a 300L water heater burst in our ceiling, which eventually resulted in one ceiling falling in. Our insurer covered all the bills other than the replacement heater, which we knew wasn't covered and there weren't any problems.  Full review 

    We had a 300L water heater burst in our ceiling, which eventually resulted in one ceiling falling in. Our insurer covered all the bills other than the replacement heater, which we knew wasn't covered and there weren't any problems.


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

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  • Reliable and good customer service

    1. Overall customer rating
    2. (Reviewed 26 days ago)

    They are reliable and helpful in need.  Full review 

    They are reliable and helpful in need.


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

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  • Excellent customer service

    1. Overall customer rating
    2. (Reviewed 28 days ago)

    Easy to deal with, professional and polite staff and the claims process is very straightforward.  Full review 

    Easy to deal with, professional and polite staff and the claims process is very straightforward.


      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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  • Quick to act!

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

    I have made a few claims with them, mostly with my Landlord Insurance and a few little other claims. They are really quick to act. Literally the next day they have there contractors call me. It is usually them, who let them down as far as how fast...  Full review 

    I have made a few claims with them, mostly with my Landlord Insurance and a few little other claims. They are really quick to act. Literally the next day they have there contractors call me. It is usually them, who let them down as far as how fast the jobs are completed. Overall though they have always been pretty good for me, hence the reason I have everything insured with them. Plus they are reasonably priced and offer discounts on multiple covers etc.


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

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