RACV Home Buildings and Contents
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Description
Cover summary
- Nominate a sum insured for your contents
- Specify a sum insured for each item worth more than $10000
- Up to $20 million
- Cover for people named on the policy, plus their family members living with them
- Cover for incidents in Australia
Cost
Covered events
- Covers theft and attempted theft
- No cover for theft by residents or someone at the site with consent of residents
- Up to $1000 for stolen credit card fraud
- Covers fire and bushfire
- Waiting period not disclosed for bushfire
- Covered (high-risk properties can opt out)
- Covers landslide and subsidence but must occur as a direct result and within 72 hours of flood
- No cover for damage to retaining walls, pontoons, jetties, bridges or gravel driveways
- Covers swimming pool/spa covers up to 5 years old
- Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
- Opting out of cover also removes cover for rainwater run-off and storm surge
- Waiting period length not disclosed in PDS
- Covers violent wind, cyclone, tornado, rain, thunderstorm, hail, snow and rainwater run-off
- Covers landslide, subsidence, landslide and subsidence, but must occur as a direct result and within 72 hours of storm or rainwater run-off
- No cover for damage caused by storm or rainwater run-off to retaining walls, pontoons, jetties, bridges or gravel driveways
- Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
- Waiting period length for storm and storm not disclosed in PDS
- Covered (high-risk properties can opt out)
- Covers landslide and subsidence but must occur as a direct result of storm surge and within 72 hours
- No cover for damage to retaining walls, pontoons, jetties, bridges or gravel driveways
- Covers swimming pool/spa covers up to 5 years old
- Damage to gates, fences and freestanding walls not covered if it occurs because they are not structurally sound or well maintained
- Opting out cancels cover for flood and rainwater run-off
- Covers damage caused by animals not kept at site
- Covers fire and water/oil leaks caused by insects or vermin
- No cover for damage caused by birds biting, pecking or scratching
- Optional
- Covers accidental loss and damage to home and contents
- No cover for electronic malfunction or failure, mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
- No cover for fishing or sporting equipment, musical instruments or firearms while someone is using them
- No cover for retaining walls
- No cover for damage caused by water entering home through an opening made for the purpose of alterations, additions, renovations or repairs; animals kept at your site; or any process of cleaning involving the use of chemicals
Claims
- Repair damaged property
- Replace damaged property
- Pay you the property's replacement value, up to your sum insured or other sublimits
- Customer cost
- Insurer may offer non-cash alternatives
Building
- Motors up to 15 years
- Optional
- Reasonable cost
- Paid on top of sum insured
- Reasonable cost
- Building only
- Up to 12 months
- Covers temporary accommodation for your family and pets, additional living expenses, and removal/storage costs
- Available after a claim for building damage
Contents
- Covers some items for theft and accidental loss/damage
- Nominate a limit per item group for clothing, accessories and luggage; glasses and medical items; jewellery and watches; portable electronic devices; sporting items; and wheelchairs, scooters and other mobility aids
- Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world
- Contents excess applies
- Optional
- Cover for theft and accidental loss/damage
- Covered anywhere in Australia, New Zealand, and for up to $10000 overall in rest of the world (limit includes all portable contents)
- Contents excess applies
- Up to 12 months
- Covers removing/storing contents
- Available after a claim for building damage
- Up to $500 overall
- Cover for interruption of electricity supply caused by insured event
- Optional cover for motor burnout
- Up to contents sum insured overall
- Cover for collision, fire and theft from removal vehicle
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