RACT Home and Contents
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 loss and damage due to theft, burglary and attempt to commit theft or burglary
- Covers costs to replace or recode keys, remotes, transponders and locks to external doors and windows, after theft of keys from address
- Up to $1000 for keys and locks, after theft of keys when away from address
- No cover for theft by you or residents
- No cover for theft by people who enter address with consent of you or a resident
- No cover for theft by people who enter or leave through an open or unfinished wall, roof, door or window, even if it was temporarily secured or covered
- Covers fire and bushfire
- Also covers damage caused by soot, smoke, heat, ash from fire within 100m of home
- Accidental damage option adds cover for scorching where there is no flame
- No cover for soot, smoke, heat, ash where your house has not caught fire
- No cover for items which by their intended purpose have a fire in them, and and the fire damage is contained to that item
- No cover for homes unoccupied for more than 60 days without insurer approval (bushfire is covered)
- 72 hour waiting period for bushfire
- Covered
- Covers damage caused by rising damp, seepage of water from ground, erosion, vibration, subsidence, landslip, landslide, mudslide, collapse, shrinkage and any other earth movement, but must be directly caused by and occur within 72 hours of flood
- No cover for loose or compacted materials on roads, driveways, paths, etc
- No cover for gardens or garden borders
- No cover for outbuildings inadequately secured to foundations
- 72 hour waiting period
- Covered
- Covers damage caused by rising damp, seepage of water from ground, erosion, vibration, subsidence, landslip, landslide, mudslide, collapse, shrinkage and any other earth movement, but must be directly caused by and occur within 72 hours of storm
- No cover for loose or compacted materials on roads, driveways, paths, etc
- No cover for gardens or garden borders
- No cover for outbuildings inadequately secured to foundations
- Storm must be accompanied by heavy rain, strong winds, lightning, snow or hail
- 72 hour waiting period
- Covers impact damage caused by animals not kept at address
- Covers damage caused by animals/birds accidentally trapped at address biting, chewing, clawing, pecking or urinating/excreting/vomiting
- Covers fire and escape of liquid caused by insects, rodents or vermin
- No cover for impact damage caused by animals belonging to/in care of resident/someone at address with consent of resident
- Up to $5000 for damage caused by trapped animals
- Optional
- Covers accidental loss and damage to home and contents
- Covers damage caused by escape of liquid from a portable container
- Covers scorching where there is no flame
- No cover for cash; mobile phones; portable electronic devices; computers; laptops; swimming pool liners and covers or remote controlled, model or toy vehicles, watercraft, aircraft or drones
- No cover for photographs or films or other visual images stored electronically or on any other medium including hard copies
- No cover for property belonging to visitors
- No cover for ride-on lawnmowers; motorised wheelchairs; mobility scooters; musical instruments; fishing rods; bicycles; sporting, leisure or recreational equipment or non-motorised watercraft while in use
- No cover for damage caused by animals, birds or insects pecking, biting clawing or chewing; animal, bird or insect urine, excrement or vomit; building, renovating or altering the home (unless you are painting; renters; tenants; guests; boarders; or mechanical or electrical breakdown
- No cover for loss of items which have been misplaced
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)
Building
- Motors up to 10 years
- Optional
- Up to $1000 overall
- No cover for escape of liquid, storm or flood
- Up to 15% sum insured overall
- Paid on top of sum insured
- Limit combined with debris removal, professional fees and other incidental expenses
- Up to 15% sum insured overall
- Paid on top of sum insured
- Limit combined with building regulations, debris removal and other incidental expenses
- Building claims: up to 15% sum insured overall
- Contents claims: up to 10% sum insured overall
- Paid on top of sum insured
- Limit combined with building regulations, professional fees and other incidental expenses
- Up to 10% building sum insured
- Paid on top of sum insured
- Covers additional accommodation expenses, mail redirection, utility connection fees, rental bond, removal/storage costs and commercial pet boarding
- Limit combined with emergency storage
- Available after a claim for building damage
Contents
- Covers some items for theft and accidental loss/damage
- Up to $3000 overall
- Up to $1000 per item, pair and set
- Covered anywhere in Australia and New Zealand
- $100 excess
- Optional
- Cover for theft and accidental loss/damage
- Covered anywhere in Australia and New Zealand
- $100 excess
- Up to 10% building sum insured
- Paid on top of sum insured
- Limit combined with accommodation
- Covers storing contents which will not fit in temporary accommodation
- Available after a claim for building damage
- Up to $1000 overall
- Cover for unit failure and failure of public electricity supply
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.