RACT Home Insurance

Receive up to $20 million in legal liability cover with RACT Home Insurance, Tasmania's leading home and contents insurer

Taking the time to choose the right insurance cover is a crucial step in the home-buying process. RACT has grown to become one of the most recognised insurers in Tasmania offering a home and contents policy with a broad range of cover features. Read on to discover the benefits of this policy, general exclusions applied and conditions for application.

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RACT Home Insurance Cover Options

RACT home and contents insurance

Home and contents insurance from RACT protects your building and personal possessions against fire, theft, storms, floods, malicious acts and a number of other insured events. This includes cover for rebuilding and repair costs plus a safety net of 25% of the sum insured to help you get your home back up and running. Authorised repairs are guaranteed for the life of your home.

Other benefits include cover for accidental breakage, keys and locks, landlord’s fittings and temporary accommodation costs as well as $20 million of legal liability protection in case you’re responsible for causing property damage or injury to someone else. You can also take out optional personal effects cover to protect your personal items away from home.

What will the policy cover?

  • Covers loss or damage caused by storms, floods, escape of water, lightning, fire, explosions, theft or attempted theft, malicious acts, impacts, animal damage, riots, earthquakes and more
  • Rebuilding and repair costs
  • Accidental breakage
  • Keys and locks
  • Damage caused by power surges
  • Landlord’s fittings
  • Accidental death benefit
  • Automatic adjustments to the sum insured
  • 25% safety net home protection
  • $20 million legal liability cover
  • Lifetime guarantee on authorised home repairs
  • Covers valuable items such as jewellery and artwork
  • Covers temporarily removed contents
  • New for old replacement
  • Temporary accommodation costs
  • Optional personal effects cover for valuables when away from home

What excess will be charged?

The excess is the amount you need to pay for each claim under your RACT home and contents insurance policy. You can find the amount of the excess or excesses you need to pay in your policy schedule, and your insurer will tell you how you can pay the excess. You may need to pay the excess in one of the following ways:

  • You may have to pay the excess directly to RACT.
  • You may have to pay the excess directly to a repairer or supplier.
  • You may have the excess deducted from the claim amount paid to you.

When both your home and contents suffer loss or damage due to the same insured event, you will only need to pay one excess. It’s also worth pointing out that when you apply for cover, you have the option to select a higher excess in return for a lower premium.

Who is eligible for cover?

RACT home insurance is available to all owners of Australian residential properties. There are no other special eligibility criteria that apply, but you should always compare a range of policies before deciding which one is right for you.

How can I claim?

If you need to make a claim on your policy, it’s essential that you notify RACT of your claim as soon as possible. You can make most claims over the phone, but you may be required to complete a claim form in some cases.

You may also need to provide proof of ownership or evidence of the extent of the loss or damage suffered. You must also supply any other information that RACT requires to process your claim, such as the details of anyone else involved in the incident or the police incident report number (if applicable).

Some final questions you might have

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