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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 6 years running.
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We reinvest our profits into our members and the community for a better WA.
Our basic contents insurance will give you
Fire and theft cover
Cover for loss, destruction or damage caused by fire or theft, for a value of up to $25,000. If your things would cost more than $25,000 to replace, consider Contents Insurance cover instead. Try our contents calculator to estimate the cost to replace your contents.
Cover for your things
TV, sound system, games console, clothing, jewellery, trade tools and even your bike. See optional extras for Personal valuables to cover items like your iPad, watch and engagement ring outside of your home.
New for old replacement
We’ll repair or replace (new for old) damaged, lost or stolen items covered under your policy.
Fixtures and fittings
If you own fixtures in the building you rent, we’ll cover them, up to $5,000
Contents whilst in storage
We’ll cover contents kept in secure storage against fire and theft up to $5,000.
Legal liability cover
Cover for damage to other people or their property.
You'll become an RAC member
When you purchase Basic Contents Insurance you automatically become an RAC member and have access to great extra benefits so you can make savings every day.
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.
Need a little more? Upgrade with our optional extra
Ask about or select this during the online quote process to add it to your 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 personable 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.
Contents replacement cost calculator
Contents calculator
Get an estimate for the cost of replacing the contents of your home. List actual items for a more accurate estimate.
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.
FAQs
What’s the difference between Basic Contents Insurance & Contents Insurance?
Basic Contents Insurance provides a lower level of cover – it covers against fire or theft of your contents, up to a sum insured of $25,000. Our Contents Insurance is a broader level of cover with higher sum insured values and a broader range of insured events. This includes fire, flood, storm, theft and attempted theft, plus some additional and optional covers.
Which level of contents cover is right for me?
Working out how much your contents would cost to replace in the event of total loss may help determine this. It’s important to get the right level of cover to avoid underinsurance. Use our contents calculator to help understand the value of your contents. Basic Contents Insurance has a maximum sum insured of $25,000. Contents Insurance can provide a higher sum insured.
I’m an owner-occupier, can I get Basic Contents Insurance?
Yes, if you’re an owner-occupier call us on 13 17 03 to get a quote for Basic Contents Insurance. This function is currently unavailable via our online quote form.
I’m a renter, can I get Basic Contents Insurance?
Yes, you can get a quote via our online quote form or by calling us on 13 17 03.
RAC members save more
As a member you get access to great discounts & offers
What's included in these covers?
Before you decide, please read our policy documents.
Insurance member support
Support for family violence, financial hardship, accessibility and specialist services.
Any applicable insurance discounts may be subject to minimum premiums. Discounts only apply until a minimum premium is reached. Roadside Assistance and Rewards members receive a discount on insurance once they’ve been a member for at least five consecutive years. Members who only have insurance don’t get membership discounts on our insurance cover. Only individuals can become members of the RAC. Membership does not apply to associations, entities, or superannuation funds. For more information see the policy PED Guide and PDS.
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.
