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
-
-
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
-
-
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
-
-
Your selected home insurance
RAC home insurance ratings
Customer reviews
-
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
-
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
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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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