RAC Building, Contents And Personal Valuables home
CHOICE Expert Rating
Good Points
The product's best features and benefits
Bad Points
Drawbacks or issues you need to know about
Unlock our expert review and more
Reviews you can trust
Easy side-by-side comparison
Recommended products at a glance
Recommended products
Results for paid members only
Scores
Results for paid members only
Description
Cover summary
- 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 tenants, residents or people authorised by residents to enter site
- Up to $500 for theft during an open real estate inspection
- Covers fire and bushfire
- 48 hour waiting period for bushfire
- Covered
- 48 hour waiting period
- Covered
- No cover for damage caused by water or wind entering through an open window/door
- Up to 20% contents sum insured for contents in the open air
- Up to $500 for trees, shrubs and landscaping
- Caused by wind to gates, fences, freestanding walls, shade cloths or patio/pergola roof coverings if not maintained in good condition
- 48 hour waiting period
- Covers damage caused by animals/birds not kept at site
- No cover for damage to building exterior by animals/birds caused by biting, chewing, clawing, pecking, soiling or tearing
- No cover for damage caused by insects, rodents, termites or vermin
- Optional
- Cover only available for contents
- No cover for electronic or mechanical malfunction or failure, virus or processing error resulting in loss of electronic equipment or data
- No cover for power driven items, sporting equipment, musical instruments or firearms while being used
- No cover for damage caused by processes of cleaning, repairing, restoring or altering your contents; animals; birds; or business activities you operate from your site
Claims
- Repair damaged property
- Replace damaged property
- Pay you the property's replacement value, up to your sum insured or other sublimits
- Customer cost if insurer offers cash
- Insurer cost if you ask for cash (may be less than retail cost)
- Customer cost if insurer offers cash
- Insurer cost if you ask for cash (may be less than retail cost)
- Insurer may offer non-cash alternatives
Building
- Up to $500 overall
- Cover for storm
- Up to 10% sum insured overall
- Paid on top of sum insured
- Limit combined with professional fees
- Up to 10% sum insured overall
- Paid on top of sum insured
- Limit combined with building regulations
- Reasonable cost
- Paid on top of sum insured
- Up to 10% sum insured overall
- Paid on top of sum insured
- Building only
- Up to 12 months
- Covers comparable accommodation for you and commercial accommodation for pets
- Available after a claim for building damage
Contents
- Covers some items for accidental loss/damage
- Choose overall limit from $2000–$5000
- Choose limit from $500–$1000 per item
- Covered anywhere in Australia
- $200 excess
- Optional
- Cover for accidental loss/damage
- Covered anywhere in Australia
- $100 excess
- Up to sum insured overall
- Up to 20% sum insured for storm and theft
- Up to 12 months or 10% sum insured
- Paid on top of sum insured
- Covers removing/storing contents
- Up to $5000 overall
- Up to $2000 per item or set
- Up to $5000 overall
- Up to $2000 per item or set
- Up to $500 overall
- Cover for failure of power supply and damage to refridgerator or freezer
- Up to contents sum insured overall
- Cover for collision, overturning or theft of removal vehicle and fire
Looking for user reviews?
We don't offer user reviews anymore. Help us improve this expert review by sharing your feedback in a quick survey.