RAA home insurance is exclusively available for residents living in South Australia.
Gain RAA membership benefits and save with discounts like 10% for seniors or multi-policies.
Your premium is unaffected by claims and all RAA home policies include flood cover.
Our verdict
RAA home insurance benefits are pretty unique. You automatically become an RAA member and get access to extra benefits, from Big W discounts to money off AFL merch.
RAA home insurance comes with lots of discounts, including a 10% multi-policy discount, 10% seniors discounts and you can pay monthly at no extra cost – lots of other insurers we looked at charge you more for this.
It's not for everyone – you can only get a policy if you live in South Australia.
Sorry! We currently don't have this brand on our panel. But don't fret, you can head to the RAA home insurance website or compare a bunch of other home insurance companies with Finder.
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
These are some standard features that you can claim if an insured event causes loss or damage.
Accidental breakage of glass and sanitary fixtures
Credit card or ATM fraud
Motor burnout
Moving address
Replacement of locks
Spoilage of food
Sum insured safety net of 10%
Temporary accommodation
Optional add-ons
RAA also offers more optional add-ons than many other insurers. Some of these features include:
Accidental damage
Fixtures and fittings
Pet cover
Premium Choice Home Benefit
Specified items outside the home
Specified items inside the home
Exclusions
RAA's general exclusions look similar to other home insurance providers. Your home insurance claim will not be paid for:
Acts or omissions while under the influence
Actions of the sea
Asbestos
Defects including faulty workmanship or design
Earth movement including erosion or landslide
Electronic information
Vermin and other animals
Wear, tear or deterioration
Make sure you read RAA's Product Disclosure Statement for a more detailed breakdown of what's not covered. You can also head to general exclusions for more information.
This is the bottom line about RAA
RAA home insurance comes with a stack of included benefits along with many chances to save on your premium. Plus, your policy comes with an RAA membership so you can take advantage of the many discounts and rewards for policyholders.
The downsides? One big one is that you need to live in South Australia to get a policy. If this doesn't sound like the one for you, you can compare other home insurance brands side by side so that you end up with a policy you're happy with.
Frequently asked questions
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)
Yes, all RAA home and contents insurance policies include flood cover as well as storm surge.
No, your premium amount will not be affected by any claims.
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.
Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share.
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Can I ask for cash instead off store voucher when making a claim on jewellery
Finder
JohnMarch 27, 2019Finder
Hi M,
Thank you for reaching out to Finder.
Depending on the settlement of the claim, you may request this directly to the company representative if it is possible to have the claim converted into cash instead. Hope this helps!
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Can I ask for cash instead off store voucher when making a claim on jewellery
Hi M,
Thank you for reaching out to Finder.
Depending on the settlement of the claim, you may request this directly to the company representative if it is possible to have the claim converted into cash instead. Hope this helps!
Cheers,
Reggie