You can get 3 different policy types with RAC: building insurance, contents insurance, and a combined home and contents insurance policy. To add to that, RAC also offers landlord's insurance, fire and theft contents cover, and a standalone personal valuables policy.
Here are some main insured events that an RAC home insurance policy covers.
RAC home insurance is underwritten by RAC Insurance Pty Limited. It offers customers a choice of excess amounts and a variety of ways to save when purchasing more than one policy or becoming a member.
Policies come with a cooling-off period of 28 days, which is more generous than the industry standard of 21 days. This means if you want to cancel within the first 4 weeks of taking out a policy, your premium will be refunded provided you haven't made a claim.
All home insurance policies will have general exclusions. Here are a few scenarios where you won't be covered by RAC.
Make sure you review RAC's Product Disclosure Statement for a detailed breakdown of exclusions. You can also head to general exclusions for more information.
RAC home insurance comes with a slew of benefits along with its well-rounded policies. However, be sure to check out the exclusions to make sure you're covered for everything you need.
If you're not a WA resident, you'll have to look elsewhere. You can review other home insurance brands side-by-side to help you find the right one for you.
If you've held, or currently hold, an RAC home insurance policy, we'd love to hear from you. Your reviews help other Australians decide if RAC is right for them. Some reviews are from a survey commissioned by Finder.
ALDI offers home, contents and landlords insurance. Its policies have thorough coverage with generous benefit limits.
If you serve or have served, you are probably eligible for home insurance with the Defence Service Homes Insurance Scheme.
GIO home Insurance has one of the most comprehensive policies around, covering you for environmental upgrades, emergency accommodation + more.
Compare features and benefits of CBA's home insurance policy. Discover if it's right for you with this handy guide.
A review of NAB's home and contents insurance policies. Find out how NAB can cover your house and possessions, giving you peace of mind and protection against the worst.
Need home and contents insurance? Check out Bank of Queensland's Vero Secure Home Extra Insurance and Vero Secure Home Elite Insurance policies.
Here's a review of the home insurance products available from Budget Direct.
Compare the home insurance options available from Suncorp.
Review and compare policy features here and determine if QBE has a policy that is right for you.
Looking for the best home and contents insurance for a standard home located in Western Australia. Currently comparing RAC, Australia Post and Quantas. Do you recommend any other insurers? Thanks
Hey Cherie,
Take a look at our best home insurance page: https://www.finder.com.au/home-insurance/best-home-insurance – that should help you. To determine the picks, we analysed all the home insurers you mentioned, except for RAC. Though we didn’t include them in our research, I can tell you that RAC has a really good reputation in WA, so shouldn’t be ruled out. It’s worth getting a quote from them and a handful of other insurers.
Hope that helps,
Gary