RACT Home & Contents Insurance

Policy and service features

• Days unoccupied until cover stops

  60

• Underinsurance protection

  Yes - Up to 25% of sum insured

• New for old

• Basic excess from

  $200

• Choice of excess

• Pay monthly at no cost

  n/a

• Discounts

  Combined policy, over 50

• Service 24 7

• Away from home

  Up to 90 days, up to 20% of sum insured

• Open air contents

  Up to 20% 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

• Fire

• Lightning

• Storm

• Flood

• Earthquake

• Fusion

  Optional Extra, up to 10 years old

• Power surge

• Explosion

• Escape of liquid

• Storm surge

• Impact damage

• Theft or burglary

• Malicious acts and vandalism

• Riots and civil commotion

Buildings

• Buildings and structural improvements

• Building materials

  Up to $1,000, when stored and locked

• Landscaping

  Up to $1,000 for plants

• Gates and fences

Contents

• Cash

  Up to $300

• Credit card

• Cd dvd and electronic files

• Computer software hardware

• Camera and accessories

• Carpets

• Handwoven carpets

• Antiques and valuables

  Up to $1,000 per item

• Jewellery

  Up to $1,000 per item

• Uncut gems

  Up to $1,000 per item

• Replacement of documents

  Up to $1,000

• Identity theft

• Personal medical equipment

• Tools of trade

  Up to $1,000

• Stock and inventory

• Home office contents

Other cover

• Death and injury

  $5,000 for death

• Veterinary expenses

• Lock replacement

  Up to $1,000

• Temporary accommodation

  Up to 10% of sum insured

• Temporary accommodation for pets

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

• Emergency storage

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

• Debris removal

  Up to 15% of sum insured combined with demolition cost

• Demolition cost

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

• Temporary repairs

• Changing address

• Contents while moving