RAC Home & Contents Insurance

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RAC is a Western Australian provider of home and contents insurance, car insurance, credit cards, life insurance and travel insurance.

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What do RAC home and contents insurance policies cover?

RAC lets you choose from home insurance, contents insurance or a combined home and contents insurance policy.  You can also add optional extras such as personal valuables cover, accidental damage cover or specified contents cover.

Home insurance

RAC home insurance includes cover for:

  • Events like fire, flood, storm, theft and malicious damage
  • Demolition and removal of debris  if your house has been damaged as a result of an insured event
  • Legal liability cover
  • Accidental glass breakage
  • Motor burnout
  • Temporary accommodation

Contents insurance

RAC contents insurance includes cover for:

  • ‘New for old’ replacement of belongings
  • Loss or damage caused by events such as flood, fire, storm and theft
  • Accidental glass breakage
  • Motor burnout
  • Replacement of locks and keys

Home & contents insurance

RAC home and contents insurance offers all of the above benefits and inclusions of both home insurance and contents insurance in a combined package. At the time of writing, RAC says policyholders may be eligible for a discount of up to 15% when they combine home and contents insurance.

How do I apply for a RAC home and contents insurance policy?

To apply for a RAC home and contents insurance policy, you can get a quote from RAC by either calling them directly, or requesting one online via their website.

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What’s the difference between RAC building and RAC contents insurance?

As a general rule, building insurance covers any part of your house that is permanently fixed and not intended to move, such as your walls and roof, or kitchen benchtops. Contents insurance covers all the items within your house that are not permanent fixtures, i.e. you could move them between houses. Find out more about home and contents insurance here.

How much RAC home insurance should I take out?

If you have a recent and accurate estimate for the value of your home and contents, then it’s often a good idea to insure up to that particular sum to get your exact money’s worth.

If you don’t have an accurate idea of this value, then you could look for a complete replacement home insurance policy to give yourself peace of mind, though bear in mind that while you’re less likely to be underinsured, the premiums for a total replacement may be more expensive than for a sum-insured one. Find out how much home insurance you need and how much contents insurance you need.

How do I make a claim with RAC?

You can make an insurance claim either by calling RAC or by lodging your claim online using its dedicated online portal. RAC says it takes roughly 10 minutes to submit an online claim.

Once your claim has been submitted, the claims team will let you know about the next steps. This may include arranging an assessment of your property.

I’m currently renting. Do I need RAC home insurance?

As a renter, you generally don’t need home insurance because your landlord should have insurance for the building you live in, and if you live in a unit, apartment or townhouse, the body corporate is legally required to have building insurance for the building. However, as a renter you can still consider contents insurance if you want to protect your own possessions.

Some providers offer specialised renters insurance policies. In many cases, though, renters insurance is the same or very similar to a contents insurance policy. It may be the case that when applying for a standard contents insurance policy, you simply need to specify to the insurer that you’re a tenant.

If you are a renter, you can purchase a contents-only policy from RAC.

I’m a landlord. Do I need RAC home insurance?

For landlords, a specific landlord insurance policy could be an option to consider. Landlord insurance is designed to cover you for the same things as a home insurance policy, but with several additions to cover you against risks from having tenants in your property.

About RAC

RAC was formed by a group of motoring enthusiasts back in 1905. RAC now says it has more than one million members in WA.

This content was reviewed as part of our fact-checking process.

Written by: Tamika Seeto | Last updated: October 1, 2021