Staff in front of WA map
Staff in front of WA map

Local friendly staff

We are on the ground ready to help when you need us the most.


Happy customers

Awarded Canstar’s Most Satisfied Customers – WA Home Insurer Award 5 years running.

The RAC Rescue Helicopter viewed from above
The RAC Rescue Helicopter viewed from above

Help give back to WA

We reinvest our profits into our members and the community for a better WA.

Our home & contents insurance will give you

Cover for your building, garage, shed, fence

Our building insurance will cover your home against events such as fire, flood, storm, theft, malicious damage up to the sum insured of your home.

Cover for your things

Clothes, jewellery, furniture, carpets, household appliances, tools, including your work tools.  See optional extras for ways to increase your cover limits for your precious things like your engagement ring, or watch.

New for old replacement

We’ll repair or replace (new for old) damaged, lost or stolen items covered under your policy.

Temporary accommodation

We'll provide temporary accommodation to you if your building can't be lived in due to an insured event, and we'll also provide temporary accommodation for your pets.

Legal liability cover

Cover for damage to other people or their property whilst on your property.

You'll become an RAC member

When you purchase Contents Insurance you automatically become an RAC member and have access to great extra benefits so you can make savings every day.

Accidental glass breakage

Cover for accidental glass breakage to your contents, for example feature mirrors, lights or furniture when they are broken through the entire thickness of the glass. See optional extras for our accidental damage option if you would like to extend your cover to include unintentional loss or damage to your contents.

Burnout of domestic electric motors

We'll cover the lesser of the cost to repair/rewind or replace a domestic electric motor when it's damaged by an electric current. For example, if your fridge motor is damaged as the result of an electric current.

Lost or stolen keys

We'll cover your lost or stolen keys and replace your locks.

Demolition and removal of debris

We'll cover the cost of demolition and removal of debris if your house has been damaged as a result of an insured event.

Building compliance fees and costs

We'll cover the costs required to make the repair of damaged parts of your building compliant with current building regulations and laws.  

Local claims team ready to help

We know WA. We drive on the same roads, we live in the same suburbs, and we experience the same things, so when it comes to claim time we are on the ground and ready to make things better for you, seven days a week.

Upgrade your cover with our optional extras

  • Specified contentsIncrease the limits on specific items inside your home which have a higher value than our standard cover limits. For example you may have a work of art which is valued at $10,000, and the cover limit is $2000 per item or $5000 in total. You can specify this item when you get a quote and it will be added to your policy cover.
  • Personal valuables coverProtect your valuables which you take outside of your home with this cover. For example if you add your engagement ring, your watch, or your iPad as a personal valuable to your policy, it will be covered for accidental loss or damage anywhere in Australia. Add these items when you get a quote and they will be added to your policy cover.
  • Accidental damage coverYou can add this option to your policy to cover your contents inside your home for unintentional loss or damage. For example if a ball is accidentally kicked into your TV screen and it cracks, it will be covered under accidental damage.

Home and Contents replacement cost calculators


Building calculator

Answer some questions about your building to get an estimate of what it would cost you to replace it.

Building calculator


Contents calculator

Get an estimate for the cost of replacing the contents of your home. List actual items for a more accurate estimate.

Contents calculator

Choose the insurance that’s right for you


Combine & save

Save 15% when you combine your home and contents insurance

Get up to 25% off your contents insurance

Save up to 12.5% for an alarm system or up to 25% for an RAC monitored alarm.

Members save up to 10%

Existing Bronze members save 5%, Silver members save 7.5%, Gold and Gold Life members save 10%

Award winning home insurance

Our members are at the heart of everything we do. Join WA's most recommended home insurer with the best claims experience and most satisfied home insurance customers, as voted by you.

CANSTAR 2019 - Most Satisfied Customers - Home Insurer - WA
CANSTAR 2020 - Most Satisfied Customers - Home Insurer - WA
CANSTAR 2021 - Most Satisfied Customers - Home Insurer - WA
CANSTAR 2022 - Most Satisfied Customers - Home Insurer - WA
CANSTAR 2023 - Most Satisfied Customers - Home Insurer - WA
Most recommended
Excellent claims experience
Most recommended
Outstanding customer satisfaction

This product is issued by RAC Insurance Pty Limited. Our products are developed and distributed for appropriate target markets in accordance with our Policy. Benefits are subject to policy conditions and PED Guide. Before you make a decision, please check the PDS and TMD to see if the policy is right for you.