

Home Insurance
Covering SA homes – no matter how big or small-
Back to back winner of Canstar's Most Satisfied Customers - SA Home Insurer Award 2019-2023
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Includes RAA membership
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Pay monthly at no extra cost
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Cover can start immediately with 21 days to pay
We've got your home covered, inside and out
We understand your home is more than just a house – it’s full of memories and precious possessions. When the unexpected happens, RAA Home Insurance will help life get back to normal as soon as possible.

Home and Contents Insurance
Covers both your property and personal belongings.
- Fire cover
- Up to 12 months' accommodation if your home is unfit to live in
- Flood and storm cover
- Burglary, theft or attempted theft
- Replacement of locks
- Spoilage of food
Home and Contents Insurance features
-
1Summary of features
Fire, including bushfire
We'll cover you if your home or contents are lost or damaged due to fire or smoke, including a bushfire. Limitations apply to cover for bushfire for the first 48 hours of your policy.
Cover loss or damage -
1
Up to 12 months' accommodation
If we determine your home is unfit to live in as a result of loss or damage, we'll cover the cost of temporary accommodation until your home has been repaired, for a maximum of 12 months. Costs of accommodation are for an equivalent to your home’s rentable value before the loss and capped at 10% of the sum insured.
Up to 12 months -
1
Flood and storm cover
We'll cover you for loss or damage as a result of a flood. Limitations apply to cover for storm for the first 48 hours and flood for the first 72 hours of your policy.
Cover loss or damage -
1
Burglary, theft or attempted theft
We'll cover you for loss or damage as a result of burglary, theft or attempted theft. Limitations apply for the first 48 hours of your policy.
Cover loss or damage -
1
Replacement of locks
We’ll cover you for up to $1,000 for replacement of locks or changing of house key codes if your keys are lost or stolen.
Up to $1,000 -
Spoilage of food
We'll reimburse you for up to $500 if food or medicine is spoiled inside your fridge or freezer as a result of accidental breakdown, unplanned power outage or motor burnout.
Up to $500 -
Explosion
We'll cover you for loss or damage as a result of an explosion.
Cover loss or damage -
Lightning
We'll cover you for loss or damage as a result of lightning.
Cover loss or damage -
Earthquake or tsunami
We'll cover you for loss or damage as a result of an earthquake or tsunami. Limitations apply to cover for earthquake or tsunami for the first 48 hours of your policy.
Cover loss or damage -
Storm and rainwater runoff
We'll cover you for loss or damage as a result of storm or rainwater runoff. Limitations apply to cover for storm and rainwater runoff for the first 48 hours of your policy.
Cover loss or damage -
Bursting, leaking or discharging or overflowing water or other liquid
We'll cover you for loss or damage caused by incidents such as a burst water main, or an overflowing washing machine or dishwasher.
Cover loss or damage -
Malicious damage, intentional damage or damage by vandals
We’ll cover you for loss or damage caused by incidents of malicious or intentional damage and vandalism.
Cover loss or damage -
Riot or civil commotion
We'll cover you for loss or damage as a result of a riot or civil commotion.
Cover loss or damage -
Impact
We'll cover you for loss or damage caused by incidents such as a fallen tree or vehicle impact.
Cover loss or damage -
Damage by an animal
We'll cover you for loss or damage to your home and contents caused by an animal. This excludes loss or damage caused by domestic pets in your care, or pets that entered with your consent, or caused by vermin (such as rats, rabbits and mice), insects, spiders, reptiles, birds and/or termites.
Cover loss or damage -
Breakage of glass and sanitary fixtures
We cover repair or replacement of fixed glass such as windows, and glass in furniture, pictures, paintings, mirrors and aquariums if they're accidentally broken. We also cover repair or replacement of fixed sinks, basins, baths and toilets if they're accidentally broken.
Cover if accidentally broken -
Contents while temporarily removed
We’ll cover you for loss or damage caused by an insured event to your contents that have been temporarily removed from your home.
Cover contents up to 10% of sum insured -
Sum insured safety net
If your home and contents are damaged as a result of an insured event, we’ll provide additional cover if the cost of replacing, repairing or rebuilding your home exceeds your sum insured.
Up to 10% of sum insured -
Credit card or ATM cover
We’ll cover you for the theft of money using your ATM card or the misuse of credit cards if they're stolen anywhere in Australia, provided it's reported to your financial institution within 24 hours and not otherwise covered by your financial institution. Capped at $1,000.
Cover theft or misuse up to $1,000 -
Loss of rent
If your insured home is rented out to tenants, and it becomes unfit to live in due to an insured event, we'll cover your loss of rent until it can be lived in again, up to a maximum of 12 months.
Up to 12 months -
Motor burnout
We’ll cover you for the replacement or repair of household electric motors such as fridge motors (excluding electronic equipment such as TVs, sound systems and computers) if they burn out or fuse, provided they're less than 10 years old.
Cover for replacement or repair -
Moving to a new address in Australia
We'll cover your contents from the date you begin to move out of your old address and to your new address for up to a maximum of 14 days. We’ll also cover your contents if they're damaged by fire or vehicle accident while you're moving them to the new address.
Cover contents -
Unfixed building materials
We'll cover you for loss or damage to unfixed building materials and uninstalled home fittings caused by an insured event, up to $1,000.
Cover loss or damage -
Legal liability and costs
We'll cover you for up to $20 million for all legal liability claims arising from an incident in the home (owned by you) that causes death or bodily injury, or loss or damage to other people's property. We'll also cover all legal costs and expenses incurred in defending any civil court proceedings arising from an insured event (with our prior agreement). Various exclusions apply.
Legal liability up to $20 million
All features and benefits in the table are subject to limitations and exclusions. For full terms, conditions, limitations and exclusions, please refer to the Home and Contents Insurance Product Disclosure Statement. Our Home and Contents Insurance Target Market Determination provides information about who this product is suitable for. RAA Insurance products are issued by RAA Insurance Limited, ABN 14 007 872 602, AFS Licence No. 232525.
Home and Contents Insurance features
Use the drop-down menus to compare options
-
1Summary of features
Fire, including bushfire
We'll cover you if your home or contents are lost or damaged due to fire or smoke, including a bushfire. Limitations apply to cover for bushfire for the first 48 hours of your policy.
Cover loss or damage -
1
Up to 12 months' accommodation
If we determine your home is unfit to live in as a result of loss or damage, we'll cover the cost of temporary accommodation until your home has been repaired, for a maximum of 12 months. Costs of accommodation are for an equivalent to your home’s rentable value before the loss and capped at 10% of the sum insured.
Up to 12 months -
1
Flood and storm cover
We'll cover you for loss or damage as a result of a flood. Limitations apply to cover for storm for the first 48 hours and flood for the first 72 hours of your policy.
Cover loss or damage -
1
Burglary, theft or attempted theft
We'll cover you for loss or damage as a result of burglary, theft or attempted theft. Limitations apply for the first 48 hours of your policy.
Cover loss or damage -
1
Replacement of locks
We’ll cover you for up to $1,000 for replacement of locks or changing of house key codes if your keys are lost or stolen.
Up to $1,000 -
Spoilage of food
We'll reimburse you for up to $500 if food or medicine is spoiled inside your fridge or freezer as a result of accidental breakdown, unplanned power outage or motor burnout.
Up to $500 -
Explosion
We'll cover you for loss or damage as a result of an explosion.
Cover loss or damage -
Lightning
We'll cover you for loss or damage as a result of lightning.
Cover loss or damage -
Earthquake or tsunami
We'll cover you for loss or damage as a result of an earthquake or tsunami. Limitations apply to cover for earthquake or tsunami for the first 48 hours of your policy.
Cover loss or damage -
Storm and rainwater runoff
We'll cover you for loss or damage as a result of storm or rainwater runoff. Limitations apply to cover for storm and rainwater runoff for the first 48 hours of your policy.
Cover loss or damage -
Bursting, leaking or discharging or overflowing water or other liquid
We'll cover you for loss or damage caused by incidents such as a burst water main, or an overflowing washing machine or dishwasher.
Cover loss or damage -
Malicious damage, intentional damage or damage by vandals
We’ll cover you for loss or damage caused by incidents of malicious or intentional damage and vandalism.
Cover loss or damage -
Riot or civil commotion
We'll cover you for loss or damage as a result of a riot or civil commotion.
Cover loss or damage -
Impact
We'll cover you for loss or damage caused by incidents such as a fallen tree or vehicle impact.
Cover loss or damage -
Damage by an animal
We'll cover you for loss or damage to your home and contents caused by an animal. This excludes loss or damage caused by domestic pets in your care, or pets that entered with your consent, or caused by vermin (such as rats, rabbits and mice), insects, spiders, reptiles, birds and/or termites.
Cover loss or damage -
Breakage of glass and sanitary fixtures
We cover repair or replacement of fixed glass such as windows, and glass in furniture, pictures, paintings, mirrors and aquariums if they're accidentally broken. We also cover repair or replacement of fixed sinks, basins, baths and toilets if they're accidentally broken.
Cover if accidentally broken -
Contents while temporarily removed
We’ll cover you for loss or damage caused by an insured event to your contents that have been temporarily removed from your home.
Cover contents up to 10% of sum insured -
Sum insured safety net
If your home and contents are damaged as a result of an insured event, we’ll provide additional cover if the cost of replacing, repairing or rebuilding your home exceeds your sum insured.
Up to 10% of sum insured -
Credit card or ATM cover
We’ll cover you for the theft of money using your ATM card or the misuse of credit cards if they're stolen anywhere in Australia, provided it's reported to your financial institution within 24 hours and not otherwise covered by your financial institution. Capped at $1,000.
Cover theft or misuse up to $1,000 -
Loss of rent
If your insured home is rented out to tenants, and it becomes unfit to live in due to an insured event, we'll cover your loss of rent until it can be lived in again, up to a maximum of 12 months.
Up to 12 months -
Motor burnout
We’ll cover you for the replacement or repair of household electric motors such as fridge motors (excluding electronic equipment such as TVs, sound systems and computers) if they burn out or fuse, provided they're less than 10 years old.
Cover for replacement or repair -
Moving to a new address in Australia
We'll cover your contents from the date you begin to move out of your old address and to your new address for up to a maximum of 14 days. We’ll also cover your contents if they're damaged by fire or vehicle accident while you're moving them to the new address.
Cover contents -
Unfixed building materials
We'll cover you for loss or damage to unfixed building materials and uninstalled home fittings caused by an insured event, up to $1,000.
Cover loss or damage -
Legal liability and costs
We'll cover you for up to $20 million for all legal liability claims arising from an incident in the home (owned by you) that causes death or bodily injury, or loss or damage to other people's property. We'll also cover all legal costs and expenses incurred in defending any civil court proceedings arising from an insured event (with our prior agreement). Various exclusions apply.
Legal liability up to $20 million
All features and benefits in the table are subject to limitations and exclusions. For full terms, conditions, limitations and exclusions, please refer to the Home and Contents Insurance Product Disclosure Statement. Our Home and Contents Insurance Target Market Determination provides information about who this product is suitable for. RAA Insurance products are issued by RAA Insurance Limited, ABN 14 007 872 602, AFS Licence No. 232525.

Home only
Covers the cost of damage to or destruction of your home, garage, other outbuildings, and permanent fixtures such as built-in wardrobes.
- Fire cover
- Flood and storm cover
- Burglary, theft or attempted theft
- Replacement of locks
- Loss of rent
- Breakage of glass and sanitary fixtures
Home Insurance features
-
1Summary of features
Fire, including bushfire
We'll cover you if your home is lost or damaged due to fire or smoke, including a bushfire. Limitations apply to cover for bushfire for the first 48 hours of your policy.
Cover loss or damage -
1
Up to 12 months' accommodation
If we determine your home is unfit to live in as a result of loss or damage, we'll cover the cost of temporary accommodation until your home has been repaired, for a maximum of 12 months. Costs of accommodation are for an equivalent to your home’s rentable value before the loss and capped at 10% of the sum insured.
Up to 12 months -
1
Flood and storm cover
We'll cover you for loss or damage as a result of a flood. Limitations apply to cover for storm for the first 48 hours and flood for the first 72 hours of your policy.
Cover loss or damage -
1
Burglary, theft or attempted theft
We'll cover you for loss or damage as a result of burglary, theft or attempted theft. Limitations apply to cover for theft for the first 48 hours of your policy or where your property is unoccupied.
Cover loss or damage -
1
Replacement of locks
We’ll cover you for up to $1,000 for replacement of locks or changing of house key codes if your keys are lost or stolen.
Up to $1,000 -
Explosion
We'll cover you for loss or damage as a result of an explosion.
Cover loss or damage -
Lightning
We'll cover you for loss or damage as a result of lightning.
Cover loss or damage -
Earthquake or tsunami
We'll cover you for loss or damage as a result of an earthquake or tsunami. Limitations apply to cover for earthquake or tsunami for the first 48 hours of your policy.
Cover loss or damage -
Storm and rainwater runoff
We'll cover you for loss or damage as a result of storm or rainwater runoff. Limitations apply to cover for storm and rainwater runoff for the first 48 hours of your policy.
Cover loss or damage -
Bursting, leaking or discharging or overflowing water or other liquid
We'll cover you for loss or damage caused by incidents such as a burst water main, or an overflowing washing machine or dishwasher.
Cover loss or damage -
Malicious damage, intentional damage or damage by vandals
We'll cover you for loss or damage caused by incidents of malicious or intentional damage and vandalism.
Cover loss or damage -
Riot or civil commotion
We'll cover you for loss or damage as a result of a riot or civil commotion.
Cover loss or damage -
Impact
We'll cover you for loss or damage caused by incidents such as a fallen tree or vehicle impact.
Cover loss or damage -
Damage by an animal
We'll cover you for loss or damage to the property, caused by an animal. This excludes loss or damage caused by domestic pets in your care, or pets that entered with your consent, or caused by vermin (such as rats, rabbits and mice), insects, spiders, reptiles, birds and/or termites.
Cover loss or damage -
Sum insured safety net
If your home is damaged as a result of an insured event, we’ll provide additional cover if the cost of replacing, repairing or rebuilding your home exceeds your sum insured.
Up to 10% of sum insured -
Breakage of glass and sanitary fixtures
We cover repair or replacement of fixed glass such as windows, fixed sinks, basins, baths and toilets if they're accidentally broken.
Cover if accidentally broken -
Loss of rent
If your insured home is rented out to tenants, and it becomes unfit to live in due to an insured event, we'll cover your loss of rent until it can be lived in again, up to a maximum of 12 months.
Up to 12 months -
Motor burnout
We’ll cover you for the replacement or repair of household electric motors such as fridge motors (excluding electronic equipment such as TVs, sound systems and computers) if they burn out or fuse, provided they're less than 10 years old.
Cover for replacement or repair -
Unfixed building materials
We'll cover you for loss or damage to unfixed building materials and uninstalled home fittings caused by an insured event, up to $1,000.
Cover loss or damage -
Legal liability and costs
We'll cover you for up to $20 million for all legal liability claims arising from an incident in the home (owned by you) that causes death or bodily injury, or loss or damage to other people's property. We'll also cover all legal costs and expenses incurred in defending any civil court proceedings arising from an insured event (with our prior agreement). Various exclusions apply.
Legal liability up to $20 million
All features and benefits in the table are subject to limitations and exclusions. For full terms, conditions, limitations and exclusions, please refer to the Home and Contents Insurance Product Disclosure Statement. Our Home and Contents Insurance Target Market Determination provides information about who this product is suitable for. RAA Insurance products are issued by RAA Insurance Limited, ABN 14 007 872 602, AFS Licence No. 232525.
Home Insurance features
Use the drop-down menus to compare options
-
1Summary of features
Fire, including bushfire
We'll cover you if your home is lost or damaged due to fire or smoke, including a bushfire. Limitations apply to cover for bushfire for the first 48 hours of your policy.
Cover loss or damage -
1
Up to 12 months' accommodation
If we determine your home is unfit to live in as a result of loss or damage, we'll cover the cost of temporary accommodation until your home has been repaired, for a maximum of 12 months. Costs of accommodation are for an equivalent to your home’s rentable value before the loss and capped at 10% of the sum insured.
Up to 12 months -
1
Flood and storm cover
We'll cover you for loss or damage as a result of a flood. Limitations apply to cover for storm for the first 48 hours and flood for the first 72 hours of your policy.
Cover loss or damage -
1
Burglary, theft or attempted theft
We'll cover you for loss or damage as a result of burglary, theft or attempted theft. Limitations apply to cover for theft for the first 48 hours of your policy or where your property is unoccupied.
Cover loss or damage -
1
Replacement of locks
We’ll cover you for up to $1,000 for replacement of locks or changing of house key codes if your keys are lost or stolen.
Up to $1,000 -
Explosion
We'll cover you for loss or damage as a result of an explosion.
Cover loss or damage -
Lightning
We'll cover you for loss or damage as a result of lightning.
Cover loss or damage -
Earthquake or tsunami
We'll cover you for loss or damage as a result of an earthquake or tsunami. Limitations apply to cover for earthquake or tsunami for the first 48 hours of your policy.
Cover loss or damage -
Storm and rainwater runoff
We'll cover you for loss or damage as a result of storm or rainwater runoff. Limitations apply to cover for storm and rainwater runoff for the first 48 hours of your policy.
Cover loss or damage -
Bursting, leaking or discharging or overflowing water or other liquid
We'll cover you for loss or damage caused by incidents such as a burst water main, or an overflowing washing machine or dishwasher.
Cover loss or damage -
Malicious damage, intentional damage or damage by vandals
We'll cover you for loss or damage caused by incidents of malicious or intentional damage and vandalism.
Cover loss or damage -
Riot or civil commotion
We'll cover you for loss or damage as a result of a riot or civil commotion.
Cover loss or damage -
Impact
We'll cover you for loss or damage caused by incidents such as a fallen tree or vehicle impact.
Cover loss or damage -
Damage by an animal
We'll cover you for loss or damage to the property, caused by an animal. This excludes loss or damage caused by domestic pets in your care, or pets that entered with your consent, or caused by vermin (such as rats, rabbits and mice), insects, spiders, reptiles, birds and/or termites.
Cover loss or damage -
Sum insured safety net
If your home is damaged as a result of an insured event, we’ll provide additional cover if the cost of replacing, repairing or rebuilding your home exceeds your sum insured.
Up to 10% of sum insured -
Breakage of glass and sanitary fixtures
We cover repair or replacement of fixed glass such as windows, fixed sinks, basins, baths and toilets if they're accidentally broken.
Cover if accidentally broken -
Loss of rent
If your insured home is rented out to tenants, and it becomes unfit to live in due to an insured event, we'll cover your loss of rent until it can be lived in again, up to a maximum of 12 months.
Up to 12 months -
Motor burnout
We’ll cover you for the replacement or repair of household electric motors such as fridge motors (excluding electronic equipment such as TVs, sound systems and computers) if they burn out or fuse, provided they're less than 10 years old.
Cover for replacement or repair -
Unfixed building materials
We'll cover you for loss or damage to unfixed building materials and uninstalled home fittings caused by an insured event, up to $1,000.
Cover loss or damage -
Legal liability and costs
We'll cover you for up to $20 million for all legal liability claims arising from an incident in the home (owned by you) that causes death or bodily injury, or loss or damage to other people's property. We'll also cover all legal costs and expenses incurred in defending any civil court proceedings arising from an insured event (with our prior agreement). Various exclusions apply.
Legal liability up to $20 million
All features and benefits in the table are subject to limitations and exclusions. For full terms, conditions, limitations and exclusions, please refer to the Home and Contents Insurance Product Disclosure Statement. Our Home and Contents Insurance Target Market Determination provides information about who this product is suitable for. RAA Insurance products are issued by RAA Insurance Limited, ABN 14 007 872 602, AFS Licence No. 232525.

Contents only
Protection against damage or loss of personal possessions.
- Fire cover
- Spoilage of food
- Up to 12 months' accommodation
- Flood and storm cover
- Burglary, theft or attempted theft
- Replacement of locks
Contents Insurance features
-
1Summary of features
Fire including bushfire
We'll cover you if your contents are lost or damaged due to fire or smoke, including a bushfire. Limitations apply to cover for bushfire for the first 48 hours of your policy.
Cover loss or damage -
1
Spoilage of food
We'll reimburse you for up to $500 if food or medicine is spoiled inside your fridge or freezer as a result of accidental breakdown, unplanned power outage or motor burnout.
Up to $500 -
1
Up to 12 months' accommodation
If we determine your home is unfit to live in as a result of loss or damage, we'll cover the cost of temporary accommodation until your home has been repaired, for a maximum of 12 months. Costs of accommodation are for an equivalent to your home’s rentable value before the loss and capped at 10% of the sum insured.
Up to 12 months -
1
Flood and storm cover
We'll cover you for loss or damage as a result of a flood. Limitations apply to cover for storm for the first 48 hours and flood for the first 72 hours of your policy.
Cover loss or damage -
1
Burglary, theft or attempted theft
We'll cover you for loss or damage as a result of burglary, theft or attempted theft. Limitations apply for the first 48 hours of your policy.
Cover loss or damage -
Replacement of locks
We’ll cover you for up to $1,000 for replacement of locks or changing of house key codes if your keys are lost or stolen.
Up to $1,000 -
Motor burnout
We’ll cover you for the replacement or repair of household electric motors such as fridge motors (excluding electronic equipment such as TVs, sound systems and computers) if they burn out or fuse, provided they're less than 10 years old.
Cover for replacement or repair -
Credit card or ATM cover
We’ll cover you for the theft of money using your ATM card or the misuse of credit cards if they're stolen anywhere in Australia, provided it's reported to your financial institution within 24 hours and not otherwise covered by your financial institution. Capped at $1,000.
Cover theft or misuse up to $1,000 -
Explosion
We'll cover you for loss or damage as a result of an explosion.
Cover loss or damage -
Lightning
We'll cover you for loss or damage as a result of lightning.
Cover loss or damage -
Earthquake or tsunami
We'll cover you for loss or damage as the result of an earthquake or tsunami. Limitations apply to cover for earthquake or tsunami for the first 48 hours of your policy.
Cover loss or damage -
Storm and rainwater runoff
Limitations apply to cover for storm and rainwater runoff for the first 48 hours of your policy.
Cover loss or damage -
Bursting, leaking or discharging or overflowing water or other liquid
We'll cover you for loss or damage caused by incidents such as a burst water main, or an overflowing washing machine or dishwasher.
Cover loss or damage -
Malicious damage, intentional damage or damage by vandals
We’ll cover you for loss or damage caused by incidents of malicious or intentional damage and vandalism.
Cover loss or damage -
Riot or civil commotion
We'll cover you for loss or damage as a result of a riot or civil commotion.
Cover loss or damage -
Impact
We'll cover you for loss or damage caused by incidents such as a fallen tree or vehicle impact.
Cover loss or damage -
Damage by an animal
We'll cover you for loss or damage to your contents, caused by an animal. This excludes loss or damage caused by domestic pets in your care, or pets that entered with your consent, or caused by vermin (such as rats, rabbits and mice), insects, spiders, reptiles, birds and/or termites.
Cover loss or damage -
Breakage of glass
We cover repair or replacement of glass in furniture, pictures, paintings, mirrors and aquariums, if they're accidentally broken or damaged.
Cover if accidentally broken -
Contents while temporarily removed
We’ll cover you for loss or damage caused by an insured event to your contents that have been temporarily removed from your home.
Cover contents up to 10% of sum insured -
Sum insured safety net
If your contents are damaged as a result of an insured event, we’ll provide additional cover if the cost of replacing or repairing your contents exceeds your sum insured.
Up to 10% of sum insured -
Moving to a new address in Australia
We'll cover your contents from the date you begin to move out of your old address and to your new address, for up to a maximum of 14 days. We’ll also cover your contents if they're damaged by fire or vehicle accident while you're moving them to the new address.
Cover contents -
Legal liability and costs
We'll cover you for up to $20 million for all legal liability claims arising from an incident in the home (owned by you) that causes death or bodily injury, or loss or damage to other people's property. We'll also cover all legal costs and expenses incurred in defending any civil court proceedings arising from an insured event (with our prior agreement). Various exclusions apply.
Legal liability up to $20 million
Contents Insurance features
Use the drop-down menus to compare options
-
1Summary of features
Fire including bushfire
We'll cover you if your contents are lost or damaged due to fire or smoke, including a bushfire. Limitations apply to cover for bushfire for the first 48 hours of your policy.
Cover loss or damage -
1
Spoilage of food
We'll reimburse you for up to $500 if food or medicine is spoiled inside your fridge or freezer as a result of accidental breakdown, unplanned power outage or motor burnout.
Up to $500 -
1
Up to 12 months' accommodation
If we determine your home is unfit to live in as a result of loss or damage, we'll cover the cost of temporary accommodation until your home has been repaired, for a maximum of 12 months. Costs of accommodation are for an equivalent to your home’s rentable value before the loss and capped at 10% of the sum insured.
Up to 12 months -
1
Flood and storm cover
We'll cover you for loss or damage as a result of a flood. Limitations apply to cover for storm for the first 48 hours and flood for the first 72 hours of your policy.
Cover loss or damage -
1
Burglary, theft or attempted theft
We'll cover you for loss or damage as a result of burglary, theft or attempted theft. Limitations apply for the first 48 hours of your policy.
Cover loss or damage -
Replacement of locks
We’ll cover you for up to $1,000 for replacement of locks or changing of house key codes if your keys are lost or stolen.
Up to $1,000 -
Motor burnout
We’ll cover you for the replacement or repair of household electric motors such as fridge motors (excluding electronic equipment such as TVs, sound systems and computers) if they burn out or fuse, provided they're less than 10 years old.
Cover for replacement or repair -
Credit card or ATM cover
We’ll cover you for the theft of money using your ATM card or the misuse of credit cards if they're stolen anywhere in Australia, provided it's reported to your financial institution within 24 hours and not otherwise covered by your financial institution. Capped at $1,000.
Cover theft or misuse up to $1,000 -
Explosion
We'll cover you for loss or damage as a result of an explosion.
Cover loss or damage -
Lightning
We'll cover you for loss or damage as a result of lightning.
Cover loss or damage -
Earthquake or tsunami
We'll cover you for loss or damage as the result of an earthquake or tsunami. Limitations apply to cover for earthquake or tsunami for the first 48 hours of your policy.
Cover loss or damage -
Storm and rainwater runoff
Limitations apply to cover for storm and rainwater runoff for the first 48 hours of your policy.
Cover loss or damage -
Bursting, leaking or discharging or overflowing water or other liquid
We'll cover you for loss or damage caused by incidents such as a burst water main, or an overflowing washing machine or dishwasher.
Cover loss or damage -
Malicious damage, intentional damage or damage by vandals
We’ll cover you for loss or damage caused by incidents of malicious or intentional damage and vandalism.
Cover loss or damage -
Riot or civil commotion
We'll cover you for loss or damage as a result of a riot or civil commotion.
Cover loss or damage -
Impact
We'll cover you for loss or damage caused by incidents such as a fallen tree or vehicle impact.
Cover loss or damage -
Damage by an animal
We'll cover you for loss or damage to your contents, caused by an animal. This excludes loss or damage caused by domestic pets in your care, or pets that entered with your consent, or caused by vermin (such as rats, rabbits and mice), insects, spiders, reptiles, birds and/or termites.
Cover loss or damage -
Breakage of glass
We cover repair or replacement of glass in furniture, pictures, paintings, mirrors and aquariums, if they're accidentally broken or damaged.
Cover if accidentally broken -
Contents while temporarily removed
We’ll cover you for loss or damage caused by an insured event to your contents that have been temporarily removed from your home.
Cover contents up to 10% of sum insured -
Sum insured safety net
If your contents are damaged as a result of an insured event, we’ll provide additional cover if the cost of replacing or repairing your contents exceeds your sum insured.
Up to 10% of sum insured -
Moving to a new address in Australia
We'll cover your contents from the date you begin to move out of your old address and to your new address, for up to a maximum of 14 days. We’ll also cover your contents if they're damaged by fire or vehicle accident while you're moving them to the new address.
Cover contents -
Legal liability and costs
We'll cover you for up to $20 million for all legal liability claims arising from an incident in the home (owned by you) that causes death or bodily injury, or loss or damage to other people's property. We'll also cover all legal costs and expenses incurred in defending any civil court proceedings arising from an insured event (with our prior agreement). Various exclusions apply.
Legal liability up to $20 million

Optional cover
For even more protection, choose from our range of optional covers:
- Accidental damage
- Specified items outside the home
- Specified items inside the home
- Premium Choice Home Benefit
- Pet cover
Optional cover
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Summary of features
Accidental damage
If you add accidental damage cover to your contents insurance policy, we'll cover your contents if they're accidentally lost, stolen or damaged anywhere in Australia and New Zealand (with a few exceptions, outlined in the PDS). You can choose to insure them for up to $2,000 per claim or up to $5,000 per claim.
Up to $2,000 or $5,000 per claim -
Cover for valuable items at home and away from home
If you have valuable items such as jewellery or bicycles, you can add them to your contents insurance and we'll cover their replacement value if they're accidentally lost, stolen or damaged worldwide (with a few exceptions, outlined in the PDS). Subject to the sum insured of the item.
Cover anywhere in the world -
Cover for valuable items at home
If you have valuable items that exceed the contents cover limits, such as antiques or paintings, you can add them to your contents insurance, and we'll cover their replacement value for loss or damage as a result of an insured event in the home. Subject to cover limits and sum insured of the item.
Cover for items that exceed the contents cover limits -
Premium Choice Home Benefit
The Premium Choice Home Benefit option provides some great extras, including up to $20,000 cover for loss or damage to computerised personal medical equipment arising from an insured event; up to $5,000 for modifications to your home due to unexpected poor health (not covered by government rebates); up to $5,000 cover for property belonging to guests or visitors for loss or damage caused at your house; and, Australia-wide cover for loss or damage to your mobility scooter from an insured event or accidental loss or damage. All benefits are subject to terms, conditions and limits.
Covers some great extras -
Pet cover
We'll provide the cost of necessary veterinary treatment to your pet dog(s) or cat(s), if they suffer a physical accidental injury or illness. The maximum we'll cover you for all treatment for each injury or illness arising out of an incident is $500 per pet.
Up to $500 per claim -
Fixtures and fittings
We’ll cover fixtures and fittings owned by you that aren’t covered under home insurance. These include floating floors, internal blinds and mobile dishwashers.
Up to the sum insured
Optional cover
Use the drop-down menus to compare options
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Summary of features
Accidental damage
If you add accidental damage cover to your contents insurance policy, we'll cover your contents if they're accidentally lost, stolen or damaged anywhere in Australia and New Zealand (with a few exceptions, outlined in the PDS). You can choose to insure them for up to $2,000 per claim or up to $5,000 per claim.
Up to $2,000 or $5,000 per claim -
Cover for valuable items at home and away from home
If you have valuable items such as jewellery or bicycles, you can add them to your contents insurance and we'll cover their replacement value if they're accidentally lost, stolen or damaged worldwide (with a few exceptions, outlined in the PDS). Subject to the sum insured of the item.
Cover anywhere in the world -
Cover for valuable items at home
If you have valuable items that exceed the contents cover limits, such as antiques or paintings, you can add them to your contents insurance, and we'll cover their replacement value for loss or damage as a result of an insured event in the home. Subject to cover limits and sum insured of the item.
Cover for items that exceed the contents cover limits -
Premium Choice Home Benefit
The Premium Choice Home Benefit option provides some great extras, including up to $20,000 cover for loss or damage to computerised personal medical equipment arising from an insured event; up to $5,000 for modifications to your home due to unexpected poor health (not covered by government rebates); up to $5,000 cover for property belonging to guests or visitors for loss or damage caused at your house; and, Australia-wide cover for loss or damage to your mobility scooter from an insured event or accidental loss or damage. All benefits are subject to terms, conditions and limits.
Covers some great extras -
Pet cover
We'll provide the cost of necessary veterinary treatment to your pet dog(s) or cat(s), if they suffer a physical accidental injury or illness. The maximum we'll cover you for all treatment for each injury or illness arising out of an incident is $500 per pet.
Up to $500 per claim -
Fixtures and fittings
We’ll cover fixtures and fittings owned by you that aren’t covered under home insurance. These include floating floors, internal blinds and mobile dishwashers.
Up to the sum insured
Why choose RAA Home Insurance?
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10% multi-policy discount
We give you a 10% discount on each policy when you hold three or more insurance policies with RAA (excluding Travel Insurance) in the same name.* -
15% Seniors Card holder discount
Seniors Card holders are entitled to a 15% discount on their home insurance policy.* -
We're SA locals
We’re based right here in SA, so you’ll always deal with a local. We’re proud of our commitment to doing more for South Australians.
*Discounts do not apply to optional benefits or statutory charges. A minimum premium applies. Discounts to your existing insurance policies will be applied at the next renewal of each policy.
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Sum Insured Calculator
Not sure how much it would cost to rebuild your home? Our easy-to-use calculator can help you estimate the current cost.


For the fifth year running, we've won Canstar's Most Satisfied Customers - SA Home Insurer Award
Having won for the past four years, in 2023 our members once again reported higher levels of product and service satisfaction than those of other eligible insurers.

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Access a world of benefits
When you take out a home and contents insurance policy, you also become an RAA member, giving you access to great benefits, from discounted movie and footy tickets to savings on travel and health insurance.


We love to reward our loyal members
The longer you’ve been an RAA member and the more products you have with us, the more you could save.
We're here to help
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Call us
Monday to Friday, 8am to 6pm
Saturday, 9am to 12pm -
Enquire online
Send us a message and we'll contact you -
Find a shop
Drop in and chat face-to-face -
Help centre
Find answers to frequently asked questions, download key documents and more
Things you should know
The information included in this website and in our brochures is a summary and is intended as a guide only. Each section should be read subject to the full terms, conditions and exclusions as set out in the Home and Contents Insurance Product Disclosure Statement. Our Home and Contents Insurance Target Market Determination provides information about who this product is suitable for. RAA Insurance products are issued by RAA Insurance Limited, ABN 14 007 872 602, AFS Licence No. 232525.
Read our General Insurance Code of Practice and complaint resolution information.
For details on your rights and benefits as an RAA member, please refer to the Membership Terms and Conditions.