RACV home insurance

4.0
Based on 196 RACV home insurance product reviews.
Fact Checked
Last updated

Founded in 1903, the Royal Automobile Club of Victoria (RACV) is a well-established Victorian institution, offering everything from roadside assistance to various insurances, travel services and more. RACV has a deep commitment to its members, with home insurance designed to protect your property while also providing exclusive perks. As an RACV member, you’ll get access to discounts and deals on shopping, events and more, bringing added value beyond your insurance coverage.

RACV’s longstanding presence in Victoria and its focus on member benefits make it a trusted choice for homeowners, renters and landlords looking for dependable insurance from a trusted institution.

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Last updated 30 April 2025 Important disclosures

RACV home insurance

  • Home Insurance

    Main events covered
    • fire
      Fire
    • theft
      Theft
    • storm
      Storm
    • flood
      Flood
    Monthly payments cost extra
    Calendar icon
    Yes
    Underinsurance protection
    Underinsurance protection icon
    No
    New for old replacement
    Replacement icon
    Yes
    No Partner link
  • Home Insurance

    Main events covered
    • fire
      Fire
    • theft
      Theft
    • storm
      Storm
    • flood
      Flood
    Monthly payments cost extra
    Calendar icon
    Yes
    Underinsurance protection
    Underinsurance protection icon
    No
    New for old replacement
    Replacement icon
    Yes
    No Partner link
  • Home Insurance

    Main events covered
    • fire
      Fire
    • theft
      Theft
    • storm
      Storm
    • flood
      Flood
    Monthly payments cost extra
    Calendar icon
    Yes
    Underinsurance protection
    Underinsurance protection icon
    No
    New for old replacement
    Replacement icon
    Yes
    No Partner link

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RACV home insurance ratings

Overall customer rating for RACV home insurance

4.0
Based on 196 product reviews.

Customer reviews

Important disclosures

RACV Home Insurance FAQs

Does RACV offer landlord insurance?

Yes, RACV offers standalone landlord insurance with coverage for tenant default, tenant damage, replacement locks and a variety of other landlord-specific concerns. 

Is there a cooling-off period for RACV Home Insurance?

Yes, RACV provides a 21-day cooling-off period for all policies. If you decide to cancel your policy within this period (and you haven’t made a claim), you’ll receive a full refund of any premiums paid.

What is the excess on an RACV Home Insurance policy?

RACV offers a flexible excess range from $100 to $5,000, and members aged 50 and over can select a $0 excess. Choosing a higher excess can help reduce your premium and vice versa.

Is RACV Home Insurance available outside of Victoria?

No, RACV Home Insurance is only available to residents of Victoria. If you live outside of Victoria, you’ll need to consider other providers for your home insurance needs.

How do I make a claim with RACV Home Insurance?

You can make a claim by visiting the RACV Insurance claims portal or by calling their claims support line at 13 RACV (13 72 28). Be prepared with incident details, supporting documents, and photos for a smoother claims process.

RACV products

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* 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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