• How much should I insure my home for?

    You want to make sure that your insurance reflects the full cost of replacing your home and any other buildings on your property in the case of a total loss, but it shouldn’t include the land value. Our valuation calculator is a handy starting point.

    This calculator is to be used as a guide only, does not constitute personal advice and will not take into account individual circumstances or preferences. We recommend that you seek expert advice to determine an adequate replacement Sum Insured for your Insured Property.

     

  • How much should I insure my contents for?

    Contents are all the things in your home that aren’t fixed to the house… so if someone tipped your house upside down, all the things that’d fall out are considered contents. Think about the value of your belongings – like clothes, furniture, electrical goods – and remember to consider how much they’d cost to replace today. Our valuation calculator is a great guide.

    This calculator is to be used as a guide only, does not constitute personal advice and will not take into account individual circumstances or preferences. We recommend that you seek expert advice to determine an adequate replacement Sum Insured for your Insured Property.

  • Does contents insurance cover my jewellery if it’s stolen or damaged?

    RAA’s contents insurance covers your jewellery if it's stolen or damaged at the home for insured events. A single piece of jewellery is covered for up to $5,000, with an overall limit of $10,00 for all jewellery. If you have jewellery that’s worth more than that, you’ll need request to add it to your policy as a specified item.

  • Are any of my contents covered if I take them out of my home?

    We have additional optional which you can buy to protect your valuables if they’re accidentally lost, stolen or damaged while outside of the home.

  • Am I covered for flood and fire?

    RAA's Home and/or Contents policies automatically cover you for flood or fire. However, there are some exceptions, including waiting periods. Please refer to our PDS.

  • Where do I go if my home is unfit to live in as a result of loss or damage?

    Don’t fret. We’ll cover the cost of temporary accommodation for up to 12 months while your home is being repaired. Some caps and limits apply, and they're set out in our PDS.

  • Can I change my excess?

    Yes, you can change your Basic Excess at any time. Please note, changes to your Basic Excess will impact your premium. 

  • How do I lodge a claim?

    You can lodge your claim online through the My Account portal, or you can call us on 8202 4575. All claims are handled right here in SA and you’ll always talk to a local.

  • What happens if the food in my fridge is spoiled during a power blackout?

    Contents insurance covers you for food spoilage caused by the burnout of a fridge motor or an unexpected power blackout, up to $500. We’ll try our best to fast-track these claims when they come up, so you’re not left hanging – and hungry!

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