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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.
We don't currently have this brand on our panel. But don't fret! You can head to the RAC website or compare a bunch of other landlord insurance companies with Finder.
Policies you can get through RAC landlord insurance
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.
Here's a look at what RAC's policies actually cover
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:
Domestic appliances that are not built in
External locks – $800
Telephone handsets
Furniture and furnishings
Mirrors
Carpets
Floor rugs
Curtains
RAC's excess options
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:
Basic excess: You'll pay a basic excess of $100 for each building and contents related claim you make.
Earthquake excess: You'll need to pay $500 for any claim for destruction or damage caused by an earthquake.
Flood excess: You'll need to pay $200 for any claim for loss, destruction or damage caused by a flood.
Imposed excess: You may also have to pay an imposed excess. This depends on your individual risk details and claims experience and will be applied when you take out a policy.
Malicious damage/theft excess: You'll need to pay $300 for claims made as a result of malicious damage or theft by the tenant or their guest.
Making a claim with RAC
To make an RAC landlord insurance claim you'll need the following information:
Your policy number or address and personal details
Details of what happened, including photos, quotes and receipts
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.
RAC landlord insurance contact
You can get in touch with RAC by calling 13 17 03.
Frequently asked questions
Where can I find the RAC landlord insurance PDS?
You can access the RAC landlord insurance policy here.
Is RAC landlord insurance only available in WA?
Yes. You can only get RAC landlord insurance if you want to insure a property in Western Australia.
Who underwrites RAC landlord insurance?
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').
Who are RAC landlord insurance polices not suitable for?
RAC Landlord's Insurance is not suitable for landlord's where the home is:
Not kept in good repair and condition or isn't structurally sound.
Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, news.com.au, The Telegraph, Explore Travel and Escape. Gary holds a Kaplan Tier 1 General Insurance (General Advice) certification and a Kaplan Tier 1 Generic Knowledge certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).
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