Does RACV offer landlord insurance?

Yes, RACV offers standalone landlord insurance with coverage for tenant default, tenant damage, replacement locks and a variety of other landlord-specific concerns.

Is there a cooling-off period for RACV Home Insurance?

Yes, RACV provides a 21-day cooling-off period for all policies. If you decide to cancel your policy within this period (and you haven’t made a claim), you’ll receive a full refund of any premiums paid.

What is the excess on an RACV Home Insurance policy?

RACV offers a flexible excess range from $100 to $5,000, and members aged 50 and over can select a $0 excess. Choosing a higher excess can help reduce your premium and vice versa.

Is RACV Home Insurance available outside of Victoria?

No, RACV Home Insurance is only available to residents of Victoria. If you live outside of Victoria, you’ll need to consider other providers for your home insurance needs.

How do I make a claim with RACV Home Insurance?

You can make a claim by visiting the RACV Insurance claims portal or by calling their claims support line at 13 RACV (13 72 28) . Be prepared with incident details, supporting documents, and photos for a smoother claims process.

RACV home insurance customer reviews and comparisons for 2025

Name: RACV home insurance
Brand: RACV
Rating: 4.0 (196 reviews)

Home Insurance
Main events covered

Fire

Theft

Storm

Flood

Monthly payments cost extra

Yes

Underinsurance protection

No

New for old replacement

Yes
No Partner link

Underinsurance protection

No

New for old

Yes

Building cover

Contents cover

n/a

Fire

Yes

Theft or burglary

Yes

Storm

Yes

Flood

Yes

Lightning

Yes

Earthquake

Yes

Storm surge

Yes

Fusion

Optional Extra, up to 15 years old

Power surge

No

Accidental loss and damage

Optional Extra

Accidental breakage of glass

Yes

Death and injury cover

Up to $10,000 for funeral

Monthly payments cost extra

Yes

General contents

No

Contents while moving

No

Antiques and valuables

No

Cash

No

Cd dvd and electronic files

No

Computer software and hardware

No

Camera and accessories

No

Carpets

Yes

Home office contents

No

Identity theft

No

Jewellery

No

Personal medical equipment

No

Replacement of documents

No

Tools of trade

No

Lock replacement

Yes

Emergency storage

No

Temporary accommodation

Up to 12 months

Temporary accommodation for pets

Up to 12 months

Temporary repairs

No

Buildings and structural improvements

Yes

Building materials

Up to $1,000

Demolition cost

Yes

Debris removal

Yes

Landscaping

Yes

Gates and fences

Yes

Legal liability cover

Up to $20,000,000

Days unoccupied until cover stops

60

Other restrictions

-

Other benefits

-

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.
Home Insurance
Main events covered

Fire

Theft

Storm

Flood

Monthly payments cost extra

Yes

Underinsurance protection

No

New for old replacement

Yes
No Partner link

Underinsurance protection

No

New for old

Yes

Building cover

n/a

Contents cover

Fire

Yes

Theft or burglary

Yes

Storm

Yes

Flood

Yes

Lightning

Yes

Earthquake

Yes

Storm surge

Yes

Fusion

Optional Extra, up to 15 years old

Power surge

No

Accidental loss and damage

Optional Extra

Accidental breakage of glass

Yes

Death and injury cover

Up to $10,000 for funeral

Monthly payments cost extra

Yes

General contents

Yes

Contents while moving

Yes

Antiques and valuables

Up to $2,500 in total, optional extra to increase maximum

Cash

Up to $200

Cd dvd and electronic files

Up to $2,500

Computer software and hardware

Yes

Camera and accessories

Yes

Carpets

Yes

Home office contents

Yes

Identity theft

No

Jewellery

Up to $2,500 in total

Personal medical equipment

Yes

Replacement of documents

Yes

Tools of trade

Up to $2,000

Lock replacement

Yes

Emergency storage

No

Temporary accommodation

Up to 12 months

Temporary accommodation for pets

Up to 12 months

Temporary repairs

No

Buildings and structural improvements

No

Building materials

No

Demolition cost

No

Debris removal

No

Landscaping

No

Gates and fences

No

Legal liability cover

Up to $20,000,000

Days unoccupied until cover stops

60

Other restrictions

-

Other benefits

-

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.
Home Insurance
Main events covered

Fire

Theft

Storm

Flood

Monthly payments cost extra

Yes

Underinsurance protection

No

New for old replacement

Yes
No Partner link

Underinsurance protection

No

New for old

Yes

Building cover

Contents cover

Fire

Yes

Theft or burglary

Yes

Storm

Yes

Flood

Yes

Lightning

Yes

Earthquake

Yes

Storm surge

Yes

Fusion

Optional Extra, up to 15 years old

Power surge

No

Accidental loss and damage

Optional Extra

Accidental breakage of glass

Yes

Death and injury cover

Up to $10,000 for funeral

Monthly payments cost extra

Yes

General contents

Yes

Contents while moving

Yes

Antiques and valuables

Up to $2,500 in total, optional extra to increase maximum

Cash

Up to $200

Cd dvd and electronic files

Up to $2,500

Computer software and hardware

Yes

Camera and accessories

Yes

Carpets

Yes

Home office contents

Yes

Identity theft

No

Jewellery

Up to $2,500 in total

Personal medical equipment

Yes

Replacement of documents

Yes

Tools of trade

Up to $2,000

Lock replacement

Yes

Emergency storage

No

Temporary accommodation

Up to 12 months

Temporary accommodation for pets

Up to 12 months

Temporary repairs

No

Buildings and structural improvements

Yes

Building materials

Up to $1,000

Demolition cost

Yes

Debris removal

Yes

Landscaping

Yes

Gates and fences

Yes

Legal liability cover

Up to $20,000,000

Days unoccupied until cover stops

60

Other restrictions

-

Other benefits

-

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.

Customer reviews

L

Lap

Victoria - 8 months ago

3.0

Do not stay with one insurance forever! Good luck

I have a suspect for what they said that to give the discount for the gold Member years. But now the premium has gone up very high until i have to give up. So my advice is we should check and compare with another insurances
- Price
  
  3.0
- Features
  
  4.0
- Service
  
  4.0
- Convenience
  
  4.5
- Trust
  
  3.0
J

Jack

Victoria - 12 months ago
Product name: Home Insurance

0.5

Avoid, not worth it

Very poor claims handling process, very poor customer service. Poor communication. Don't actually do repairs, just underwrote and force cash payouts on customers. Used to be an insurance club for members in Victoria, now only interested in taking premium payments and denying claims and run by AIG/IMA based in Qld.
- Price
  
  0.5
- Features
  
  0.5
- Service
  
  0.5
- Convenience
  
  0.5
- Trust
  
  0.5
C

Colin

Victoria - 12 months ago
Product name: Home Insurance

4.0

great company

great company to deal with.
- Price
  
  4.0
- Features
  
  3.5
- Service
  
  4.5
- Convenience
  
  5.0
- Trust
  
  5.0
C

Colin

Victoria - 12 months ago

4.0

great company to deal with

had a claim. easy to deal with. great company
- Price
  
  4.5
- Features
  
  4.0
- Service
  
  5.0
- Convenience
  
  5.0
- Trust
  
  5.0
C

Colin

Victoria - 12 months ago

3.5

great company to deal with

had a claim. great people to deal with. no problems highly recommend
- Price
  
  4.5
- Features
  
  4.0
- Service
  
  5.0
- Convenience
  
  4.5
- Trust
  
  5.0
C

Colin

Victoria - 12 months ago

3.5

great company to deal with

had a claim. resolved easily. no hassle. no problem
- Price
  
  4.0
- Features
  
  3.0
- Service
  
  4.0
- Convenience
  
  3.5
- Trust
  
  4.5
P

Peter

Victoria - over 1 year ago
Product name: Home Insurance

4.5

Good value home and contents insurance

Good value insurance products and options with maximum flexibility and total ability to customise inclusions and levels as the policy buyer sees fit.
- Price
  
  4.5
- Features
  
  4.5
- Service
  
  4.5
- Convenience
  
  4.5
- Trust
  
  4.5
F

Frank

Victoria - over 1 year ago

5.0

Reliable and effective company

Have had satisfactory and fairly prompt dealings with them over many years
- Price
  
  5.0
- Features
  
  5.0
- Service
  
  5.0
- Convenience
  
  5.0
- Trust
  
  5.0
D

David

Victoria - over 1 year ago
Product name: Home Insurance

5.0

GOOD STAFF. GOOD PRODUCT KNOWLEDGE. GOOD SERVICE.

I LIKE THE RACV BECAUSE OF THEIR PROFESSIONALISM.
- Price
  
  5.0
- Features
  
  5.0
- Service
  
  5.0
- Trust
  
  5.0
L

Liz

Victoria - almost 2 years ago

5.0

Great work

Very helpful and caring
- Price
  
  5.0
- Features
  
  5.0
- Service
  
  5.0
- Convenience
  
  5.0
- Trust
  
  5.0

RACV home insurance

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