RACQ Home & Contents Insurance

Policy and service features

• Days unoccupied until cover stops

  60

• Underinsurance protection

  No

• New for old

  Yes

• Basic excess from

  $0

• Choice of excess

  true

• Pay monthly at no cost

  n/a

• Discounts

  Alarm Discount, Apartment Discount, No Claim Discount, Roadside Assistance Discount, Seniors Discount, Over 55s Discount, Multi-policy Discount, Combined Discount

• Service 24 7

  Yes

• Away from home

  Optional Extra - Up to $2,000 per item, up to $8,000 total

• Open air contents

  Up to 5% of sum insured

• Legal liability cover

  Up to $20,000,000

• Other benefits

  n/a

• Other restrictions

  n/a

Events

• Accidental loss and damage

  Optional Extra

• Accidental breakage of glass

  Yes

• Fire

  Yes

• Lightning

  Yes

• Storm

  Yes

• Flood

  Yes

• Earthquake

  Yes

• Fusion

  Optional Extra, up to 10 years old

• Power surge

  No

• Explosion

  Yes

• Escape of liquid

  Yes

• Storm surge

  Yes

• Impact damage

  Yes

• Theft or burglary

  Yes

• Malicious acts and vandalism

  Yes

• Riots and civil commotion

  Yes

Buildings

• Buildings and structural improvements

  Yes

• Building materials

  No

• Landscaping

  Up to $1,000 for plants

• Gates and fences

  Yes - Up to 50% of the total cost, up to 2km

Contents

• Cash

  Up to $300

• Credit card

  Up to $1,500

• Cd dvd and electronic files

  Up to $5,000

• Computer software hardware

  Hardware yes, software up to $5,000 combined with CDs/DVDs

• Camera and accessories

  Up to $2,000

• Carpets

  Yes - limits apply for carpets over 10 years old

• Handwoven carpets

  Up to $1,000 per item

• Antiques and valuables

  Up to $2,000 per item, up to $12,000 in total

• Jewellery

  Up to $2,000 per item, up to $6,000 in total

• Uncut gems

  No

• Replacement of documents

  Up to $1,000

• Identity theft

  No

• Personal medical equipment

  Yes

• Tools of trade

  Up to $2,000

• Stock and inventory

  Optional Extra - Up to $20,000

• Home office contents

  Up to $10,000

Other cover

• Death and injury

  Up to $5,000 for funeral

• Veterinary expenses

  Optional Extra, up to $750

• Lock replacement

  Up to $1,000

• Temporary accommodation

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

• Temporary accommodation for pets

  No

• Emergency storage

  Up to 10% of sum insured

• Debris removal

  Up to 20% of sum insured combined with demolition cost

• Demolition cost

  Up to 20% of sum insured combined with debris removal cost

• Temporary repairs

  No

• Changing address

  Up to 14 days

• Contents while moving

  Yes