RAA home insurance review

Home insurance customer satisfaction winner - SA

RAA came in first place in SA, scoring 4.58/5.94% of people surveyed said they would recommend RAA to a friend.

Full list of 2023 winners

What does RAA home insurance cover?

You can get 3 different policy types. RAA offers home insurance, contents insurance and a combined home and contents insurance policy. To add to that, RAA also offers landlord and short stay insurance.

Some main events covered by RAA home insurance include:

RAA home insurance is issued by RAA Insurance Limited. It offers customers a choice of excess amount, a cooling-off period of 21 days and the option to pay monthly at no additional cost.

Here's the rundown of an RAA home insurance policy

Here's some information on RAA home insurance complaints

We reviewed some of the latest complaints data from the Australian Financial Complaints Authority (AFCA) between July 2020 and June 2021. This data looks at how different underwriters respond to and resolve complaints.

Here are some things we noticed about RAA home insurance:

• RAA is considered a medium-sized firm but it does have a relatively high number of complaints when compared to others of its size.
• This is the same case with AIG; however, you can see that RAA has a higher percentage of claims that were resolved directly with its customers.

Why you can trust Finder's home insurance experts

We're free

You pay the same as buying directly from the home insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.

We're experts

We've researched and rated dozens of policies as part of our Finder Awards. We provide unique insights and our in-house experts regularly appear on Sunrise, 7News and SBS News.

We're independent

Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of home insurance brands, making it easier for you to find a good deal.

We're here to help

Since 2014, we've helped 150,000+ people find home insurance by explaining your cover options simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.

Frequently asked questions

• How do I make a claim with RAA?

  If an event occurs that will lead to a claim, contact RAA as soon as possible to report the incident. You can do so over the phone or online via the RAA website.

  Any theft, burglary or malicious damage should be reported to the police immediately, while you should also make sure not to admit any fault or liability.

  You will need to allow around 10 minutes to report a claim and should have the following information handy:

  • Your policy details
  • The details and contact information of anyone else involved
  • The police report number (if applicable)

• Does RAA home insurance cover flood?

  Yes, all RAA home and contents insurance policies include flood cover as well as storm surge.

• Will my premium go up at the next renewal because I have made a claim?

  No, your premium amount will not be affected by any claims.

• Are my contents covered if I take them out of the home?

  Yes, RAA's contents insurance covers your contents while they're temporarily at another residential address or storage facility. The cover is capped at 10% of your sum insured. You can also add accidental damage cover or RAA's specified items outside the home cover for additional coverage around Australia and worldwide.

Leave an RAA home insurance review

If you've held, or currently hold, an RAA home insurance policy, we'd love to hear from you. Your reviews help other Australians decide if RAA is right for them. Some reviews are from a survey commissioned by Finder.