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.
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.
Compare RACT home insurance policies
Finder Score - Home and Contents Insurance
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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
RACT is self-underwritten.
No, RACT only covers homes in Tasmania.
No. NRMA did acquire some RACT assets related to tourism but RACT home insurance was unaffected.
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
Nicola's expertise
Nicola has written 245 Finder guides across topics including:
Personal finance
Personal insurance, including car, health, home, life, pet and travel insurance
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