RACT home insurance review

Tasmanian-based RACT offers some strong benefits at a reasonable price point. But if your home is outside of Tasmania, you’ll have to look elsewhere.

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Nicola Middlemiss

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Key takeaways

  • RACT home insurance is exclusively available for properties located within Tasmania.
  • The policy includes a 25% underinsurance safety net and high motor burnout cover.
  • Lock replacement cover is $1000 which may be less than some other policies.

Pros

  • There’s an underinsurance safety net of 25% built-in - some brands don’t offer any at all.
  • RACT’s call centre is based in Tasmania, so you can speak with local operators.
  • The optional motor burnout cover has a very high benefit limit - your full sum insured.

Cons

  • RACT home insurance is only available for homes in Tasmania.
  • Only $1,000 is covered for lock replacement - other brands offer more.
  • There’s no cover for food spoilage, unless you take out contents insurance.

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What additional cover options are available?

RACT offers additional cover options that you can add to your policy if you wish. These include:

  • Accidental damage - Accidental loss or damage to your home.
  • Damage to electrical motors - The repair or replacement of a burnt out or fused household electric motors.
  • Portable contents - Cover to insure certain items away from, and at the insured address for when they are stolen, lost or accidentally damaged, such as mobile phones, laptops.

How to make a claim

You can make a claim by calling RACT on 13 27 22. The line is open Monday to Friday, 8am to 5:30pm. It should only take 5 to 10 minutes. Alternatively, you lodge your claim online via the RACT Member Hub.

FAQs

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Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio

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Nicola has written 170 Finder guides across topics including:
  • Personal finance
  • Personal insurance, including car, health, home, life, pet and travel insurance
  • Commercial business insurance
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