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The RAC is a membership-based organisation in Western Australia that's been around for more than 115 years. It's best known for providing car, home and travel insurance. When you sign up to an RAC landlord insurance policy, you automatically become an RAC member, which gives you access to discounts on things like retail, utilities and other insurance products.
RAC landlord insurance provides the following policy options:
Landlord's insurance
An RAC landlord insurance policy can cover you for damage caused by your tenant or their guests. It also covers the building. You'll also get legal liability cover, which covers you for damage to other people and their property while they're on your property.
Landlord's insurance + Landlord's contents cover
If your property is furnished, you can add landlord's contents cover to your policy. This covers things such as furniture and domestic appliances, including carpets, rugs, curtains, white goods and more.
Insured event | Landlord's insurance |
---|---|
Storm and tempest | |
Flood | |
Lightning or thunderbolts | |
Fire | |
Explosions | |
Malicious damage | |
Impacts | |
Escape of liquid | |
Riot or civil commotion | |
Earthquakes | |
Theft |
RAC landlord insurance covers more than just the standard insured events. The table below is a summary of other ways that landlord insurance can protect your property:
More benefits | Landlord's insurance |
---|---|
Legal liability | $20,000,000 |
Loss of rent | Up to 12 months |
Cover for landlord's fixtures and fittings | Up to $10,000 |
Statutory authority requirements | Extra cost |
Incidental expenses | Reasonable cost |
Mortgage discharge | Reasonable cost |
Accidental glass breakage | |
Damage to electric motors | Reasonable cost |
You can also add on extra cover if you think you need it. It's optional and completely up to you:
Optional add-ons | Landlord's insurance |
---|---|
Landlord's contents cover | Includes:
|
RAC's landlord insurance policies come with an excess. This is the amount that you need to contribute towards a claim whenever you make one. There are a few different types of excesses (a basic excess applies for all). These include:
To make an RAC landlord insurance claim you'll need the following information:
You can then make your claim over the phone. RAC is available to contact from 7am to 8:30pm during the week and from 8:30am to 5pm on weekends. The RAC landlord insurance contact number is 13 17 03. Once you've made your claim, you'll need to pay the excess and may have to arrange an assessment of your property if required.
You can also track your claim online through myRAC. You'll need your membership or policy number and email address to register.
You can get in touch with RAC by calling 13 17 03.
You can access the RAC landlord insurance policy here.
Yes. You can only get RAC landlord insurance if you want to insure a property in Western Australia.
RAC Insurance is a wholly-owned subsidiary of the Royal Automobile Club of WA Inc. and is underwritten by RACQ Insurance Limited ABN 50 009 704 152 ('RACQ').
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