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RACT Home & Contents Insurance

Advertiser disclosure
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
Contents cover

Mozo editorial review RACT Home & Contents Insurance

Last updated: 24 September 2020.

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What's hot
  • 25% additional repair or rebuild safetynet
  • Temporary accommodation cover, including pets
  • Combined home and contents policy discount
  • 2020 Mozo Experts Choice Awards winner
What's not
  • Some accidental damage only covered as optional
  • No option to pay in monthly instalments
Mozo snapshot

This Tasmanian insurer is kicking goals in every corner of home and contents insurance. When it comes to your four walls and belongings, RACT has got you covered for all kinds of major natural disasters, as well as breakages, theft and malicious damage. The policy also features generous building underinsurance, in case you haven’t valued your home accurately and need a boost when repairs or replacement are necessary.

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Key features

RACT’s Home & Contents insurance will cover all your bases, with natural events like floods, bushfires, lightning and even earthquakes and tsunamis included in the policy. Beyond wild weather events, your home and belongings will also be covered in the case of theft, explosions and glass breakages. 

If the contents on your property is destroyed, it will be replaced with comparable new items, but there are fixed limits for some things. For example, important documents like birth certificates, drivers licences and passports are covered up to $1,000 collectively, and only $300 in cash kept at the address is insured. 

Other items like jewellery, antiques and art have flexible limits which you can elect. Remember, a higher limit may mean a higher premium.

Similarly, some items covered under home insurance have fixed limits. This includes up to $1,000 for unfixed building materials and other $1,000 for fixed landscaping elements like trees, plants and lawns. Read the product disclosure statement (PDS) for other variable limits and any optional extras

You won’t have to stress if any building repairs or replacements cost more than your initial valuation, as this policy also includes underinsurance of up to 25%. If you do find yourself in a situation where your place is unlivable, you’ll be happy to know accommodation costs for yourself and your pets are also covered for up to 10% of the sum insured.

And since RACT’s policy took home a 2020 Mozo Experts Choice Awards win in the Exceptional Value category, you know you’re getting a good price for all this cover.

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Who is it good for

Any homeowner wanting top-value cover for their home and belongings, with underinsurance and optional extras providing a little wiggle room.

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Any catches

Keep an eye out for circumstances in your PDS that might see your claim denied, or accidental damages that are only included if you choose them as optional extras.

Details

Rates and fees information correct as at 28 February 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

  • Yes - Up to 25% of sum insured

  • Yes

  • $200

  • true

  • n/a

  • Combined policy, over 50

  • 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

  • Optional Extra, up to 10 years old

  • No

  • Yes

  • Yes

  • No

  • Yes

  • Yes

  • Yes

  • Yes

Buildings
  • Yes

  • Up to $1,000, when stored and locked

  • Up to $1,000 for plants

  • Yes

Contents
  • Up to $300

  • No

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Up to $1,000 per item

  • Up to $1,000 per item

  • Up to $1,000 per item

  • Up to $1,000

  • No

  • Yes

  • Up to $1,000

  • No

  • No

Other cover
  • $5,000 for death

  • No

  • Up to $1,000

  • Up to 10% of sum insured

  • Up to 10% of sum insured, combined with temporary accommodation costs

  • Up to 10% of sum insured, combined with temporary accommodation costs

  • Up to 15% of sum insured combined with demolition cost

  • Up to 15% of sum insured combined with debris removal cost

  • No

  • No

  • No

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

Customer Reviews

How are RACT home insurance rated by the Mozo community?

Overall
8.5/10
Value for money
7.9/10
Policy coverage
8.0/10
Customer service
8.6/10
Claims handling
8.2/10
Trust
8.3/10

Latest reviews of RACT Home & Contents Insurance

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About RACT

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