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
-
Yes
- Fusion
-
Optional Extra, up to 15 years old
- Power surge
-
No
- Accidental loss and damage
-
Optional Extra
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
Up to $10,000 for funeral
- 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
-
Yes
- Home office contents
-
No
- Identity theft
-
No
- Jewellery
-
No
- Personal medical equipment
-
No
- Replacement of documents
-
No
- Tools of trade
-
No
- Lock replacement
-
Yes
- 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 $1,000
- Demolition cost
-
Yes
- Debris removal
-
Yes
- Landscaping
-
Yes
- Gates and fences
-
Yes
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
60
- Other restrictions
-
-
- Other benefits
-
-
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
-
n/a
- Contents cover
-
- Fire
-
Yes
- Theft or burglary
-
Yes
- Storm
-
Yes
- Flood
-
Yes
- Lightning
-
Yes
- Earthquake
-
Yes
- Storm surge
-
Yes
- Fusion
-
Optional Extra, up to 15 years old
- Power surge
-
No
- Accidental loss and damage
-
Optional Extra
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
Up to $10,000 for funeral
- Monthly payments cost extra
-
yes
- General contents
-
Yes
- Contents while moving
-
Yes
- Antiques and valuables
-
Up to $2,500 in total, optional extra to increase maximum
- Cash
-
Up to $200
- Cd dvd and electronic files
-
Up to $2,500
- Computer software and hardware
-
Yes
- Camera and accessories
-
Yes
- Carpets
-
Yes
- Home office contents
-
Yes
- Identity theft
-
No
- Jewellery
-
Up to $2,500 in total
- Personal medical equipment
-
Yes
- Replacement of documents
-
Yes
- Tools of trade
-
Up to $2,000
- Lock replacement
-
Yes
- Emergency storage
-
No
- Temporary accommodation
-
Up to 12 months
- Temporary accommodation for pets
-
Up to 12 months
- 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
-
-
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
-
- Fire
-
Yes
- Theft or burglary
-
Yes
- Storm
-
Yes
- Flood
-
Yes
- Lightning
-
Yes
- Earthquake
-
Yes
- Storm surge
-
Yes
- Fusion
-
Optional Extra, up to 15 years old
- Power surge
-
No
- Accidental loss and damage
-
Optional Extra
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
Up to $10,000 for funeral
- Monthly payments cost extra
-
yes
- General contents
-
Yes
- Contents while moving
-
Yes
- Antiques and valuables
-
Up to $2,500 in total, optional extra to increase maximum
- Cash
-
Up to $200
- Cd dvd and electronic files
-
Up to $2,500
- Computer software and hardware
-
Yes
- Camera and accessories
-
Yes
- Carpets
-
Yes
- Home office contents
-
Yes
- Identity theft
-
No
- Jewellery
-
Up to $2,500 in total
- Personal medical equipment
-
Yes
- Replacement of documents
-
Yes
- Tools of trade
-
Up to $2,000
- Lock replacement
-
Yes
- 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 $1,000
- Demolition cost
-
Yes
- Debris removal
-
Yes
- Landscaping
-
Yes
- 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
RACV home insurance ratings
Customer reviews
-
Do not stay with one insurance forever! Good luck
I have a suspect for what they said that to give the discount for the gold Member years. But now the premium has gone up very high until i have to give up. So my advice is we should check and compare with another insurances
-
Avoid, not worth it
Very poor claims handling process, very poor customer service. Poor communication. Don't actually do repairs, just underwrote and force cash payouts on customers. Used to be an insurance club for members in Victoria, now only interested in taking premium payments and denying claims and run by AIG/IMA based in Qld.
-
great company
great company to deal with.
-
great company to deal with
had a claim. easy to deal with. great company
-
great company to deal with
had a claim. great people to deal with. no problems highly recommend
-
great company to deal with
had a claim. resolved easily. no hassle. no problem
-
Good value home and contents insurance
Good value insurance products and options with maximum flexibility and total ability to customise inclusions and levels as the policy buyer sees fit.
-
Reliable and effective company
Have had satisfactory and fairly prompt dealings with them over many years
-
GOOD STAFF. GOOD PRODUCT KNOWLEDGE. GOOD SERVICE.
I LIKE THE RACV BECAUSE OF THEIR PROFESSIONALISM.
-
Great work
Very helpful and caring
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
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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