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 7.9 Based on 43
RAC home insurance reviews
7.3 7.9 8.3 7.0 7.9

Latest reviews of RAC Home & Contents Insurance

  • Trustworthy

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

    My insurer has at all times been very good to deal with. The product I pay for is good value. The product I require is offered. They are honest and trustworthy. They follow-up.  Full review 

    My insurer has at all times been very good to deal with. The product I pay for is good value. The product I require is offered. They are honest and trustworthy. They follow-up.


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

    1 person found this review helpful – do you? Yes flag

  • High premiums

    1. Overall customer rating
    2. (Reviewed 21 days ago)

    I think currently they continue to increase premiums without any real reason.  Full review 

    I think currently they continue to increase premiums without any real reason.


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

    Was this review helpful? Yes flag

  • Great customer service

    1. Overall customer rating
    2. (Reviewed 29 days ago)

    Their service was excellent and very quick, no waiting for a long time on the phone.  Full review 

    Their service was excellent and very quick, no waiting for a long time on the phone.


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

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  • Great Service and Coverage

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

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  • Competitive premiums, nothing's a problem

    1. Overall customer rating
    2. (Reviewed 2 months 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

  • Show more reviews

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