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RAC Home & Contents Insurance

Advertiser disclosure
Important information on terms, conditions and sub-limits
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
Contents cover

Mozo editorial review RAC Home & Contents Insurance - last updated: 2 February 2021

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What's hot
  • Multiple discounts up for grabs including a 15% combined policy rebate
  • Up to 12 months of temporary accommodation for you and your pets
  • New for old replacement
What's not
  • Doesn’t cover death and injury or veterinary expenses
Mozo snapshot

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, as well as a range of discounts on offer, RAC's Home & Contents Insurance could be the very thing you’re looking for!

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Key features

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.

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Who is it good for

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.

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Any catches

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.

Details

Rates and fees information correct as at 29 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Policy and service features

60

No

Yes

$0

true

n/a

15% combined policy discount, up to 25% security alarm discount, $70 online discount, 10% Road assistance member discount

No

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

Events

Optional Extra

Yes

Yes

Yes

Yes

Yes

Yes

Yes

No

Yes

Yes

No

Yes

Yes

Yes

Yes

Buildings

Yes

Up to $2,000

Storm damage to trees and shrubs, up to $500

Yes

Contents

Up to $200

Up to $500

Up to $5,000

Hardware yes, software up to $5,000

Yes

Yes

Yes

Up to $2,000 per item, $5,000 in total.

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

No

Yes

Up to $2,000

No

Up to $5,000

Other cover

No

No

Up to $800

Up to 12 months, up to 10% of sum insured

Up to 12 months, up to 10% of sum insured

No

Up to 10% of sum insured combined with demolition cost

Up to 10% of sum insured combined with debris removal cost

No

Up to 14 days

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.

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