Home Insurance
- Main events covered
-
Fire -
Theft -
Storm -
Flood
-
Monthly payments cost extra
-
no
-
Underinsurance protection
-
Yes - Up to 25% of sum insured
-
New for old replacement
-
Yes
No Partner link
- Underinsurance protection
-
Yes - Up to 25% of sum insured
- 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
-
Optional Extra, up to 10 years old
- Power surge
-
No
- Accidental loss and damage
-
Optional Extra
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
$5,000 for death
- Monthly payments cost extra
-
no
- 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
-
Up to $1,000
- Emergency storage
-
Up to 10% of sum insured, combined with temporary accommodation costs
- Temporary accommodation
-
Up to 10% of sum insured
- Temporary accommodation for pets
-
Up to 10% of sum insured, combined with temporary accommodation costs
- Temporary repairs
-
No
- Buildings and structural improvements
-
Yes
- Building materials
-
Up to $1,000, when stored and locked
- Demolition cost
-
Up to 15% of sum insured combined with debris removal cost
- Debris removal
-
Up to 15% of sum insured combined with demolition cost
- Landscaping
-
Up to $1,000 for plants
- Gates and fences
-
Yes
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
60
- Other restrictions
-
-
- Other benefits
-
-
Contents Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
no
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
No Partner link
- 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
-
Optional Extra, up to 10 years old
- Power surge
-
No
- Accidental loss and damage
-
Optional Extra
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
$5,000 for death
- Monthly payments cost extra
-
no
- General contents
-
Yes
- Contents while moving
-
No
- Antiques and valuables
-
Up to $1,000 per item
- Cash
-
Up to $300
- Cd dvd and electronic files
-
Yes
- Computer software and hardware
-
Yes
- Camera and accessories
-
Yes
- Carpets
-
Yes
- Home office contents
-
No
- Identity theft
-
No
- Jewellery
-
Up to $1,000 per item
- Personal medical equipment
-
Yes
- Replacement of documents
-
Up to $1,000
- Tools of trade
-
Up to $1,000
- Lock replacement
-
Up to $1,000
- Emergency storage
-
Up to 10% of sum insured, combined with temporary accommodation costs
- Temporary accommodation
-
Up to 10% of sum insured
- Temporary accommodation for pets
-
Up to 10% of sum insured, combined with temporary accommodation costs
- Temporary repairs
-
No
- Buildings and structural improvements
-
No
- Building materials
-
No
- Demolition cost
-
No
- Debris removal
-
Up to 10% of sum insured
- Landscaping
-
No
- Gates and fences
-
No
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
60
- Other restrictions
-
-
- Other benefits
-
-
Home & Contents Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
no
-
Underinsurance protection
-
Yes - Up to 25% of sum insured
-
New for old replacement
-
Yes
No Partner link
- Underinsurance protection
-
Yes - Up to 25% of sum insured
- 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
-
Optional Extra, up to 10 years old
- Power surge
-
No
- Accidental loss and damage
-
Optional Extra
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
$5,000 for death
- Monthly payments cost extra
-
no
- General contents
-
Yes
- Contents while moving
-
No
- Antiques and valuables
-
Up to $1,000 per item
- Cash
-
Up to $300
- Cd dvd and electronic files
-
Yes
- Computer software and hardware
-
Yes
- Camera and accessories
-
Yes
- Carpets
-
Yes
- Home office contents
-
No
- Identity theft
-
No
- Jewellery
-
Up to $1,000 per item
- Personal medical equipment
-
Yes
- Replacement of documents
-
Up to $1,000
- Tools of trade
-
Up to $1,000
- Lock replacement
-
Up to $1,000
- Emergency storage
-
Up to 10% of sum insured, combined with temporary accommodation costs
- Temporary accommodation
-
Up to 10% of sum insured
- Temporary accommodation for pets
-
Up to 10% of sum insured, combined with temporary accommodation costs
- Temporary repairs
-
No
- Buildings and structural improvements
-
Yes
- Building materials
-
Up to $1,000, when stored and locked
- Demolition cost
-
Up to 15% of sum insured combined with debris removal cost
- Debris removal
-
Up to 15% of sum insured combined with demolition cost
- Landscaping
-
Up to $1,000 for plants
- Gates and fences
-
Yes
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
60
- Other restrictions
-
-
- Other benefits
-
-
Your selected home insurance
RACT home insurance ratings
Customer reviews
-
Could not be happier with this Tassie company
RACT has given the best rates for our home and content insurance and at half the price of our previous company I would recommend this company as they are easy to deal with and go the extra mile if you have a query or problem.
RACT 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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