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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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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Finder Score - Home Insurance

We crunch eligible home insurance products in Australia to see how they stack up. We rank over 50 products on 16 different features, including price. We end up with a single score out of 10 that helps you compare home insurance a bit faster. We assess home and contents, building only and contents only products individually.

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What additional cover options are available?

RACT offers two 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.

RACT home insurance complaints information

The Australian Financial Complaints Authority (AFCA) received 16 complaints about RACT’s home insurance and 5 complaints about its contents insurance in the last financial year.

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 251 Finder guides across topics including:
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