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 8.2 Based on 22
RAC home insurance reviews
8.1 8.1 8.0 8.1 8.3

Latest reviews of RAC Home & Contents Insurance

  • Good customer service

    1. Overall customer rating
    2. (Reviewed 5 days ago)

    Because they are friendly.  Full review 

    Because they are friendly.


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

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  • Good price , local quick service

    1. Overall customer rating
    2. (Reviewed 9 days ago)

    Easy to deal with and local.  Full review 

    Easy to deal with and local.


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

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  • Competitive and so far no problems with claims

    1. Overall customer rating
    2. (Reviewed 12 days ago)

    Been with RAC for 40 years and have a large number of policies with them.  Full review 

    Been with RAC for 40 years and have a large number of policies with them.


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

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  • Competitive and so far no problems with claims

    1. Overall customer rating
    2. (Reviewed 12 days ago)

    Been with RAC for 40 years and have a large number of policies with them.  Full review 

    Been with RAC for 40 years and have a large number of policies with them.


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

    Was this review helpful? Yes flag

  • Prepared to look at alternatives

    1. Overall customer rating
    2. (Reviewed 12 days ago)

    Good service -Never a problem with any claims -etc  Full review 

    Good service -Never a problem with any claims -etc


      1. Value for money
      1. Policy coverage
      1. Customer service
      1. Claims handling
      1. Trust
    Less
    RAC home insurance review by Richard from Victoria

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  • Show more reviews

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