On the lookout for a top-notch home and contents insurance policy? Well, with a 2019 Mozo Experts Choice Award for Exceptional Value Home & Contents Insurance under their belt, you've come to the right place. With coverage for a wide variety of natural disasters and personal items, as well as a range of discounts on offer, 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 (up to $200), a credit card (up to $500), 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, $70 online discount and 10% road assistance member discount.
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, veterinary expenses and emergency storage. So, if you’re after cover on these things in particular, then this policy might not be for you.
60
$0
n/a
15% combined policy discount, up to 25% security alarm discount, $70 online discount, 10% Road assistance member discount
Up to 90 days, up to 20% of sum insured
Up to 20% of sum insured
Up to $20,000,000
n/a
n/a
Up to $2,000
Storm damage to trees and shrubs, up to $500
Up to $200
Up to $500
Up to $2,500
Hardware yes, software up to $2,500
Up to $2,000 per item
Up to $2,000 per item, up to $5,000 total when combined with gems and precious stones
Up to $2,000 per item, up to $5,000 total combined with jewellery
Up to $500
Up to $2,000
Up to $5,000
Up to $500
Up to 12 months, up to 10% of sum insured
Up to 12 months, up to 10% of sum insured
Up to 10% of sum insured combined with demolition cost
Up to 10% of sum insured combined with debris removal cost
Up to 14 days
It’s a good sounding policy however make sure you read the PDS fine print. A lot of clauses exclude or minimises your claim by compartmentalising some categories. We were hand passed to loss assessors who hand passed us to a sub-contractor! Our shed was covered under contents but only $300 is given for car parts and accessories. That’s one tyre and a rim for a 9x6 shed which is ridiculous. Trailers would only be covered if they are connected to a tow ball on car, again ridiculous. I have 2 trailers and only 1 tow ball so now one of my trailers can’t get coverage. When you pay the premiums for $100,000 coverage, you expect to get a high level of coverage however this is not the case with this insurance. Also to anyone reading please be aware if you are under insured or not!
Read full reviewIt’s a good sounding policy however make sure you read the PDS fine print. A lot of clauses exclude or minimises your claim by compartmentalising some categories. We were hand passed to loss assessors who hand passed us to a sub-contractor! Our shed was covered under contents but only $300 is given for car parts and accessories. That’s one tyre and a rim for a 9x6 shed which is ridiculous. Trailers would only be covered if they are connected to a tow ball on car, again ridiculous. I have 2 trailers and only 1 tow ball so now one of my trailers can’t get coverage. When you pay the premiums for $100,000 coverage, you expect to get a high level of coverage however this is not the case with this insurance. Also to anyone reading please be aware if you are under insured or not!
Excellent customer service cost and claims.
Read full reviewExcellent customer service cost and claims.
Likewise to my car insurance, I have been with RAC for over 20 years and I have never experienced any issues. RAC provide great value and customer support.
Read full reviewLikewise to my car insurance, I have been with RAC for over 20 years and I have never experienced any issues. RAC provide great value and customer support.
Great competitive prices and discounts for signing up online. I switched from my previous insurer to RAC because they offered me comparable coverage for much less even though I'd been a loyal customer of my previous insurer for over 5 years.
Read full reviewGreat competitive prices and discounts for signing up online. I switched from my previous insurer to RAC because they offered me comparable coverage for much less even though I'd been a loyal customer of my previous insurer for over 5 years.
Claims process ok, however expensive policy
Read full reviewClaims process ok, however expensive policy