based on 615 RAC product reviews as rated by Mozo community

RAC home insurance

For more than 115 years, RAC has been giving back to WA as a purpose-led member organisation who invest their profits to serve their community.

With more than one million members, RAC offers great benefits for its members and policy holders like discounts on over 100 retail partners. And it's obviously working, because RAC were one of the biggest winners in the 2021 Mozo People's Choice Awards. Compare RAC's range of home and contents insurance options below.

RAC offers the following home insurance

Cover information and limits in the table below verified as correct at 10 December 2023. Other information correct at the time of writing.
Advertiser disclosure.

Product Main Events covered Monthly payments cost extra Underinsurance protection New for old replacement
Contents Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

Yes

No

Yes

Home & Contents Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

Yes

No

Yes

Home Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

Yes

No

Yes

How is RAC home insurance rated?

Mozo users have rated RAC home insurance on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of home-insurances
RAC home insurance
Overall
Value for money
Policy coverage
Customer service
Claims handling
Trust

116 Reviews

Recent RAC home insurance reviews

RAC Home Insurance
Overall 10/10
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.

Read full review

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.

Value for money
10/10
Policy coverage
10/10
Customer service
10/10
Claims handling
10/10
Trust
10/10
Less
Flora, Western Australia, reviewed about 1 month ago
RAC Home & Contents Insurance
Overall 10/10
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

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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

Value for money
10/10
Policy coverage
10/10
Customer service
10/10
Claims handling
10/10
Trust
10/10
Less
Flora, Western Australia, reviewed 5 months ago
RAC Home Insurance
Overall 10/10
100% fir RAC Home Ins from Purchasing to Claiming

I can not fault RAC insurance at all from buying the policy to claims they are excellent . We had a recent home invasion and the support we received from RAC was fantastic the process of claiming has been simple with always someone available to help me We would highly recommend RAC Thank you to everyone for your help

Read full review

I can not fault RAC insurance at all from buying the policy to claims they are excellent . We had a recent home invasion and the support we received from RAC was fantastic the process of claiming has been simple with always someone available to help me We would highly recommend RAC Thank you to everyone for your help

Value for money
10/10
Policy coverage
10/10
Customer service
10/10
Claims handling
10/10
Trust
10/10
Less
Debbie, Western Australia, reviewed 8 months ago
RAC Building Insurance
Overall 7/10
Storm claim

They were Very slow with claims handling. The Hold time on the phone was always at least 10 minutes. The Web site for a claim lodgement didn’t work. The Discount after I installed a monitored alarm and CCTV system was minimal. I like dealing with a local provider and felt I was talking to someone in my city. This is particularly important as they new there was a bad storm the night before.

Read full review

They were Very slow with claims handling. The Hold time on the phone was always at least 10 minutes. The Web site for a claim lodgement didn’t work. The Discount after I installed a monitored alarm and CCTV system was minimal. I like dealing with a local provider and felt I was talking to someone in my city. This is particularly important as they new there was a bad storm the night before.

Value for money
8/10
Policy coverage
9/10
Customer service
7/10
Claims handling
3/10
Trust
8/10
Less
Hilary, Western Australia, reviewed about 1 year ago
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