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Description
Insurer
RACT
Policy
Home and Contents
Provider
RACT Insurance Pty Ltd
About the insurer
RACT
Cover summary
Building cover
Nominate a sum insured for your building
Contents cover
Nominate a sum insured for your contents
Legal liability
u0026#149; Up to $20 millionu003cbru003eu0026#149; Cover for people named on the policy, plus their family members living with themu003cbru003eu0026#149; Cover for incidents in Australia
Cost
Same price to pay monthly
ACT price comparison
N/A
NSW price comparison
N/A
NT price comparison
N/A
North Queensland price comparison
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South Queensland price comparison
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SA price comparison
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Tasmania price comparison
$
Victoria price comparison
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WA price comparison
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Covered events
Theft
u0026#149; Covers theft, attempted theft, burglary and attempted burglaryu003cbru003eu0026#149; No cover for theft by residents or someone who enters site with resident's consent
Fire
u0026#149; Covers fire; bushfire; and soot, smoke, heat or ash from fire within 100m of homeu003cbru003eu0026#149; Accidental damage option covers scorching where there is no flameu003cbru003eu0026#149; 72 hour waiting period for bushfire
Flood
u0026#149; Coveredu003cbru003eu0026#149; Covers rising damp, seepage of water from ground, erosion, vibration, subsidence, landslip, landslide, mudslide, collapse, shrinkage and any other earth movement, but must be caused by and occur within 72 hours of floodu003cbru003eu0026#149; No cover for damage to gardens or garden borders; outbuildings inadequately secured to foundations; or loose/compacted materials on roads, pathways, paths, etcu003cbru003eu0026#149; 72 hour waiting period
Storm and cyclone
u0026#149; Coveredu003cbru003eu0026#149; Covers rising damp, seepage of water from ground, erosion, vibration, subsidence, landslip, landslide, mudslide, collapse, shrinkage and any other earth movement, but must be caused by and occur within 72 hours of stormu003cbru003eu0026#149; No cover for damage to gardens or garden borders; outbuildings inadequately secured to foundations; or loose/compacted materials on roads, pathways, paths, etcu003cbru003eu0026#149; Storm must be accompanied by heavy rain, strong winds, lightning, snow or hailu003cbru003eu0026#149; 72 hour waiting period
Storm surge
Action of the sea
Tsunami
Explosion
Earthquake
Vandalism
Impact damage
u0026#149; Covers damage caused by falling trees or parts of a treeu003cbru003eu0026#149; Covers damage caused by or arising from the use of a vehicle (including aircraft and water-borne craft)u003cbru003eu0026#149; Covers damage caused by falling power poles or communication poles, towers or linesu003cbru003eu0026#149; Covers damage caused by aerials or satellite dishesu003cbru003eu0026#149; Covers damage caused by animals (unless it is kept at the address)u003cbru003eu0026#149; Covers damage caused by space debris; or debris from an aircraft, rocket or satelliteu003cbru003eu0026#149; No cover for damage caused by roots of trees, plants, shrubs or hedgesu003cbru003eu0026#149; No cover for damage caused by tree-felling or lopping at the addressu003cbru003eu0026#149; No cover for damage to roads, driveways, paths, paving, bridges, causeways or underground services caused by vehicles, cranes or earth moving equipmentu003cbru003eu0026#149; Does not cover removal and disposal of fallen trees or branches or other objects unless required to undertake repairs to the homeu003cbru003eu0026#149; Does not cover removal and disposal of tree stumps or tree roots that are still in the groundu003cbru003eu0026#149; Does not cover items that cause the impact damageu003cbru003eu0026#149; Does not cover removal and disposal of debris or other objects unless required to undertake repairs to the home
Animal damage
u0026#149; Covers impact damage caused by animals not kept at addressu003cbru003eu0026#149; Covers damage caused by animals/birds accidentally trapped at address biting, chewing, clawing, pecking or urinating/excreting/vomitingu003cbru003eu0026#149; Covers fire and escape of liquid caused by insects, rodents or verminu003cbru003eu0026#149; No cover for impact damage caused by animals belonging to/in care of resident/someone at address with consent of residentu003cbru003eu0026#149; Up to $5000 for damage caused by trapped animals
Escape of liquid
Breakage
Accidental damage
u0026#149; Optionalu003cbru003eu0026#149; Covers accidental loss and damage to home and contentsu003cbru003eu0026#149; Covers damage caused by escape of liquid from a portable containeru003cbru003eu0026#149; Covers scorching where there is no flameu003cbru003eu0026#149; No cover for cash; mobile phones; portable electronic devices; computers; laptops; swimming pool liners and covers or remote controlled, model or toy vehicles, watercraft, aircraft or dronesu003cbru003eu0026#149; No cover for photographs or films or other visual images stored electronically or on any other medium including hard copiesu003cbru003eu0026#149; No cover for property belonging to visitorsu003cbru003eu0026#149; No cover for ride-on lawnmowers; motorised wheelchairs; mobility scooters; musical instruments; fishing rods; bicycles; sporting, leisure or recreational equipment or non-motorised watercraft while in useu003cbru003eu0026#149; No cover for damage caused by animals, birds or insects pecking, biting clawing or chewing; animal, bird or insect urine, excrement or vomit; building, renovating or altering the home (unless you are painting; renters; tenants; guests; boarders; or mechanical or electrical breakdownu003cbru003eu0026#149; No cover for loss of items which have been misplaced
Claims
Out-of-hours claiming
Online and 24/7 phone
How the insurer can settle your claim
u0026#149; Repair damaged propertyu003cbru003eu0026#149; Replace damaged propertyu003cbru003eu0026#149; Pay you the property's replacement value, up to your sum insured or other sublimits
Cash settlement for building claims
u0026#149; Customer cost if insurer offers cashu003cbru003eu0026#149; Insurer cost if you ask for cash (may be less than retail cost)
Cash settlement for contents claims
u0026#149; Customer cost if insurer offers cashu003cbru003eu0026#149; Insurer cost if you ask for cash (may be less than retail cost)
New for old contents replacement
1
Building
Motor burnout
u0026#149; Motors up to 10 yearsu003cbru003eu0026#149; Optional
Keys and locks after break-in
Up to $1000 overall
Gardens and landscaping
u0026#149; Up to $1000 overallu003cbru003eu0026#149; No cover for escape of liquid, flood or storm
Costs to comply with building regulations
u0026#149; Up to 15% sum insured overallu003cbru003eu0026#149; Paid on top of sum insuredu003cbru003eu0026#149; Limit combined with debris removal, professional fees and other incidental expenses
Professional fees
u0026#149; Up to 15% sum insured overallu003cbru003eu0026#149; Paid on top of sum insuredu003cbru003eu0026#149; Limit combined with building regulations, debris removal and other incidental expenses
Mortgage discharge fees
Debris removal and demolition
u0026#149; Building claims: up to 15% sum insured overallu003cbru003eu0026#149; Contents claims: up to 10% sum insured overallu003cbru003eu0026#149; Paid on top of sum insuredu003cbru003eu0026#149; Limit combined with building regulations, professional fees and other incidental expenses
Temporary accommodation
u0026#149; Up to 10% building sum insuredu003cbru003eu0026#149; Paid on top of sum insuredu003cbru003eu0026#149; Covers additional accommodation expenses, mail redirection, utility connection fees, rental bond, removal/storage costs and commercial pet boardingu003cbru003eu0026#149; Limit combined with emergency storageu003cbru003eu0026#149; Available after a claim for building damage
Contents
Cover for unspecified portable contents
u0026#149; Covers some items for theft and accidental loss/damageu003cbru003eu0026#149; Up to $3000 overallu003cbru003eu0026#149; Up to $1000 per item, pair and setu003cbru003eu0026#149; Covered anywhere in Australia and New Zealandu003cbru003eu0026#149; $100 excessu003cbru003eu0026#149; Optional
Optional cover for individual portable valuables
u0026#149; Cover for theft and accidental loss/damageu003cbru003eu0026#149; Covered anywhere in Australia and New Zealandu003cbru003eu0026#149; $100 excess
Contents in the open air
Up to 20% sum insured overall
Emergency storage
u0026#149; Up to 10% building sum insuredu003cbru003eu0026#149; Limit combined with accommodationu003cbru003eu0026#149; Covers storing contents which will not fit in temporary accommodationu003cbru003eu0026#149; Available after a claim for building damage
Jewellery
Up to $1000 per item
Artworks
Up to $1000 per item
Collections (e.g. stamps, coins)
Up to $1000 overall
Digital media
Spoiled food
u0026#149; Up to $1000 overallu003cbru003eu0026#149; Cover for unit failure and failure of public electricity supply
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