On the lookout for a top-notch home and contents insurance policy? Well, you've come to the right place. With coverage for a wide variety of natural disasters and personal items, a range of discounts on offer, and a 2021 Mozo Experts Choice Award under its belt, RAC's Home & Contents Insurance could be the very thing you’re looking for!
On the hunt for a solid home and contents insurance policy? Then look no further than RAC Home & Contents Insurance. With coverage on a broad range of natural disasters, such as storm, fire, fusion and earthquake, and even flood cover (at no extra cost) as well as other events like theft or burglary and malicious acts and vandalism, RAC Home & Contents Insurance could be just what you’re after.
The policy comes with a bunch of building cover inclusions, such as landscaping (up to $500 on storm damage to trees and shrubs), buildings and structural improvements, gates and fences and up to $2,000 cover on building materials.
RAC Home & Contents Insurance also provides cover on cash and gift cards (up to $200) as well as CDs, DVDs, electronic files and computer software and hardware (up to $2,500). And if you’re concerned about your expensive shiny things, the policy covers jewellery, watches and precious stones and gems (up to $2,000 per item or up to $5,000 total).
Other cover includes replacement of documents (up to $500), personal medical equipment, your work-related equipment (up to $2,000) and home office contents (up to $5,000), plus loads more. Another great thing about RAC Home & Contents Insurance is you’ll have up to 12 months (up to 10% of sum insured) temporary accommodation for both you and your pets, should you ever require it.
And to top it all off, there are a bunch of different discounts up for grabs, like a 15% combined policy discount, up to 25% security alarm discount and $70 off your first yearly premium when you apply online.
With coverage on a huge range of different events and items, RAC Home & Contents Insurance is a fantastic insurance option for Aussies looking for a solid home and contents insurance policy, especially if you can take advantage of the various discounts available.
Be aware there are some things that this policy doesn’t cover, like death and injury to you or your family, veterinary expenses and emergency storage. So, if you’re after cover on these things in particular, then this policy might not be for you.
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60 |
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No |
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Yes |
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$0 |
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true |
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no |
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15% combined policy discount, up to 25% security alarm discount, $70 online discount, 10% Road assistance member discount |
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No |
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Up to 90 days, up to 20% of sum insured |
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Up to 20% of sum insured |
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Up to $20,000,000 |
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n/a |
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n/a |
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Optional Extra |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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No |
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Yes |
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Yes |
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No |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Up to $2,000 |
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Storm damage to trees and shrubs, up to $500 |
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Yes |
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Up to $200 |
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Up to $500 |
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Up to $5,000 |
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Hardware yes, software up to $5,000 |
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Yes |
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Yes |
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Yes |
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Up to $2,000 per item, $5,000 in total. |
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Up to $2,000 per item, up to $5,000 total when combined with gems and precious stones |
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Up to $2,000 per item, up to $5,000 total combined with jewellery |
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Up to $500 |
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No |
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Yes |
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Up to $2,000 |
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No |
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Up to $5,000 |
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No |
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No |
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Up to $800 |
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Up to 12 months, up to 10% of sum insured |
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Up to 12 months, up to 10% of sum insured |
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No |
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Up to 10% of sum insured combined with demolition cost |
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Up to 10% of sum insured combined with debris removal cost |
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No |
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Up to 14 days |
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Yes |
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.
Cannot easily give you a copy of Buildings Only insurance, it takes forever each year for over 20 years!
Read full reviewCannot easily give you a copy of Buildings Only insurance, it takes forever each year for over 20 years!
RAC are a well-established insurance company based in WA. Their service is superb and their policies and premiums consistently the best. Claims are dealt with quickly and efficiently with payments as promised.
Read full reviewRAC are a well-established insurance company based in WA. Their service is superb and their policies and premiums consistently the best. Claims are dealt with quickly and efficiently with payments as promised.
I’ve always found them easy to deal with.
Read full reviewI’ve always found them easy to deal with.
We are mostly happy with them, but when we put in a claim a couple of years ago for a pipe leak in our bathroom wall, they didn't want to cover everything we thought they should. Our plumber said they should have covered more.
Read full reviewWe are mostly happy with them, but when we put in a claim a couple of years ago for a pipe leak in our bathroom wall, they didn't want to cover everything we thought they should. Our plumber said they should have covered more.
The RAC have a good name and trusted brand, my claim was handled excellently - and even gave me advise on what category I should claim under to get the maximum benefit . I felt like I was being helped - whereas I was expecting excuses to get out of paying anything ! Good customer service and prompt payment of the claim.
Read full reviewThe RAC have a good name and trusted brand, my claim was handled excellently - and even gave me advise on what category I should claim under to get the maximum benefit . I felt like I was being helped - whereas I was expecting excuses to get out of paying anything ! Good customer service and prompt payment of the claim.