Home Insurance
- Main events covered
-
Fire -
Theft -
Storm -
Flood
-
Monthly payments cost extra
-
Yes
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
- Underinsurance protection
-
No
- New for old
-
Yes
- Building cover
-
- Contents cover
-
n/a
- Fire
-
Yes
- Theft or burglary
-
Yes
- Storm
-
Yes
- Flood
-
Yes
- Lightning
-
Yes
- Earthquake
-
Yes
- Storm surge
-
No
- Fusion
-
Yes
- Power surge
-
No
- Accidental loss and damage
-
Optional Extra
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
No
- Monthly payments cost extra
-
Yes
- General contents
-
No
- Contents while moving
-
No
- Antiques and valuables
-
No
- Cash
-
No
- Cd dvd and electronic files
-
No
- Computer software and hardware
-
No
- Camera and accessories
-
No
- Carpets
-
No
- Home office contents
-
No
- Identity theft
-
No
- Jewellery
-
No
- Personal medical equipment
-
No
- Replacement of documents
-
No
- Tools of trade
-
No
- Lock replacement
-
No
- Emergency storage
-
No
- Temporary accommodation
-
Up to 12 months
- Temporary accommodation for pets
-
Up to 12 months
- Temporary repairs
-
No
- Buildings and structural improvements
-
Yes
- Building materials
-
Up to $2,000
- Demolition cost
-
Up to 10% of sum insured combined with debris removal cost
- Debris removal
-
Up to 10% of sum insured combined with demolition cost
- Landscaping
-
Storm damage to trees and shrubs, up to $500
- Gates and fences
-
Yes
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
60
- Other restrictions
-
-
- Other benefits
-
-
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Contents Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
Yes
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
- Underinsurance protection
-
No
- New for old
-
Yes
- Building cover
-
n/a
- Contents cover
-
- Fire
-
Yes
- Theft or burglary
-
Yes
- Storm
-
Yes
- Flood
-
Yes
- Lightning
-
Yes
- Earthquake
-
Yes
- Storm surge
-
No
- Fusion
-
Yes
- Power surge
-
No
- Accidental loss and damage
-
Optional Extra
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
No
- Monthly payments cost extra
-
Yes
- General contents
-
Yes
- Contents while moving
-
Yes
- Antiques and valuables
-
Up to $2,000 per item, $5,000 in total.
- Cash
-
Up to $200
- Cd dvd and electronic files
-
Up to $5,000
- Computer software and hardware
-
Hardware yes, software up to $5,000
- Camera and accessories
-
Yes
- Carpets
-
Yes
- Home office contents
-
Up to $5,000
- Identity theft
-
No
- Jewellery
-
Up to $2,000 per item, up to $5,000 total when combined with gems and precious stones
- Personal medical equipment
-
Yes
- Replacement of documents
-
Up to $500
- Tools of trade
-
Up to $2,000
- Lock replacement
-
Up to $800
- Emergency storage
-
No
- Temporary accommodation
-
Up to 12 months, up to 10% of sum insured
- Temporary accommodation for pets
-
Up to 12 months, up to 10% of sum insured
- Temporary repairs
-
No
- Buildings and structural improvements
-
No
- Building materials
-
No
- Demolition cost
-
No
- Debris removal
-
No
- Landscaping
-
No
- Gates and fences
-
No
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
60
- Other restrictions
-
-
- Other benefits
-
-
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Home & Contents Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
Yes
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
- Underinsurance protection
-
No
- New for old
-
Yes
- Building cover
-
- Contents cover
-
- Fire
-
Yes
- Theft or burglary
-
Yes
- Storm
-
Yes
- Flood
-
Yes
- Lightning
-
Yes
- Earthquake
-
Yes
- Storm surge
-
No
- Fusion
-
Yes
- Power surge
-
No
- Accidental loss and damage
-
Optional Extra
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
No
- Monthly payments cost extra
-
Yes
- General contents
-
Yes
- Contents while moving
-
Yes
- Antiques and valuables
-
Up to $2,000 per item, $5,000 in total.
- Cash
-
Up to $200
- Cd dvd and electronic files
-
Up to $5,000
- Computer software and hardware
-
Hardware yes, software up to $5,000
- Camera and accessories
-
Yes
- Carpets
-
Yes
- Home office contents
-
Up to $5,000
- Identity theft
-
No
- Jewellery
-
Up to $2,000 per item, up to $5,000 total when combined with gems and precious stones
- Personal medical equipment
-
Yes
- Replacement of documents
-
Up to $500
- Tools of trade
-
Up to $2,000
- Lock replacement
-
Up to $800
- Emergency storage
-
No
- Temporary accommodation
-
Up to 12 months, up to 10% of sum insured
- Temporary accommodation for pets
-
Up to 12 months, up to 10% of sum insured
- Temporary repairs
-
No
- Buildings and structural improvements
-
Yes
- Building materials
-
Up to $2,000
- Demolition cost
-
Up to 10% of sum insured combined with debris removal cost
- Debris removal
-
Up to 10% of sum insured combined with demolition cost
- Landscaping
-
Storm damage to trees and shrubs, up to $500
- Gates and fences
-
Yes
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
60
- Other restrictions
-
-
- Other benefits
-
-
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Your selected home insurance
RAC home insurance ratings
Customer reviews
-
RAC Home Insurance is a solid choice for people
Certainly! Here's a sample review for RAC Home Insurance: --- I recently had the opportunity to use RAC Home Insurance, and my experience has been a mix of positives and areas for improvement. On the bright side, RAC offers a variety of policy options, including building, contents, and combined home and contents insurance. They also provide additional benefits for members, such as discounts on retail and other services, which is a nice touch. The claims process, however, seems to be a point of contention among customers. While some have praised the quick and efficient handling of claims, others have reported delays and dissatisfaction with claim outcomes. It's worth noting that RAC has received recognition for its customer satisfaction in Western Australia, which speaks to its efforts to provide quality service. Overall, RAC Home Insurance is a solid choice for WA residents, especially those looking for comprehensive coverage and member benefits. However, it's always a good idea to review the Product Disclosure Statement (PDS) and compare options to ensure it meets your specific needs.
-
Our insurance is starting to get more expensive.
It is getting very hard to pay these hi prices on insurance this is my second provider so I will be looking for another provider next year. Regards
-
RAC insurance is my preferred insurance company.
I have the RAC insurance company for all my insurance policies. I have been with them for a long time, and They have always handled my claims and queries in an excellent manner.
-
I have been insured with the RAC WA forever
I have been insured with the RAC WA for a very long time and have found the RAC to be the best for value for money and service I have never had a problem getting my claim paid and would highly recommend them
RAC products
Home insurance quick links
* Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
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