Home is where the heart is, so protect yours and everything in it. RAC's combined home and contents Insurance will save you time and money. Cover all your bases with one simple policy.

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 replace damaged, lost or stolen items covered under your policy with new ones.

Temporary accommodation

We'll provide temporary accommodation to you if your building can't be lived in, and we'll also accommodate 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 RAC's 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 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 cost to repair 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, we'll cover the cost to repair or replace the motor.

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.

Optional extras

Specified contents

Increase 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 $10000, 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 cover

Protect 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 on 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 cover

You 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 kicked into your TV screen and it cracks, it will be covered under accidental damage. This option is not available online, please call us on 13 17 03 for a quote on an existing policy.

RAC Member card graphic

Save more on your policy

  • Buy online and save up to $70 
  • Save 15% when you combine your home and contents insurance 
  • Existing RAC members could save up to 10% - Bronze members save 5%, Silver members save 7.5%, Gold and Gold Life members save 10%
  • Save on your contents with an alarm system - Save up to 12.5% for an alarm system or up to 25% for an RAC monitored alarm.
  • Increase your excess to reduce your monthly premium

These products are issued by RAC Insurance Pty Limited. Benefits are subject to policy conditions and PED Guide. Before you make a decision, please check the PDS to see if the policy is right for you. $70 discount applies on first year of insurance only and is subject to minimum premiums.