Home Insurance
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Winner of Canstar's Most Satisfied Customers - SA Home Insurance Award 2019-2026 -
Save 10c per litre on fuel for a limited time^ -
Easy online claims 24/7 -
Pay monthly at no extra cost
Get a Home Insurance quote from SA locals
Whether you’re looking for combined Home and Contents Insurance, Contents Insurance or Home Building Insurance, we’ve got a level of cover to suit you.
Getting a quote online is quick and easy, and you can claim online 24/7.
Compare our 3 types of Home Insurance
Home and Contents Insurance
- Covers your home and contents against a range of events including fire¹, flood² and storm¹.
- Includes additional benefits like temporary accommodation, cover for legal liability and a sum insured safety net.
- Optional covers available: Accidental Damage Cover, Cover for Valuable Items and Pet Cover.
Home Building Insurance
- Covers your home against a range of events including fire¹, flood² and storm¹.
- Includes additional benefits like temporary accommodation, cover for legal liability and a sum insured safety net.
- Optional Fixtures and Fittings Cover available.
- Doesn't cover your contents.
Contents Insurance
- Covers your contents against a range of events including fire¹, flood² and storm¹.
- Includes additional benefits like temporary accommodation, cover for legal liability and a sum insured safety net.
- Optional covers available: Accidental Damage Cover, Cover for Valuable Items and Pet Cover.
- Doesn’t cover your home.
¹48 hour waiting period applies. ²72 hour waiting period applies.
^Offer valid for a limited time and subject to change. Conditions apply. Discount available on eligible fuel products only (max. 120L per day), when a valid RAA membership card is scanned in the same transaction. Participating service stations in SA only. Not available in conjunction with any other offer, discount or promotion on fuel. Read full terms and conditions.
Looking for Landlord or Short Stay Insurance?
Why Home Insurance matters
Protects your biggest financial asset
For many South Australians, their home is their most valuable asset. Home insurance can cover your home against a range of events including fire, flood and storm. Having the right cover in place means your home may be protected when it matters most. This can include structural damage to your home or loss of contents, depending on the insurance type that you choose.
May help cover unexpected costs
Repairing or rebuilding a home after structural damage can be costly. Home insurance can help reduce the impact of unexpected costs after an insured event. Additional benefits like temporary accommodation cover mean you may be supported throughout the process.
It could help in stressful situations
Your home is your sanctuary. Having quality insurance cover can help ease the burden of stressful situations, including some severe weather events. With RAA Home Insurance, you can lodge a claim online 24 hours, 7 days a week. Our South Australia-based team will be there to guide you through each step.
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Discounted fuel for RAA members
Save 10 cents per litre by scanning your RAA membership card at participating SA stations. Plus, save 4 cents per litre when travelling interstate. Offer for a limited time and subject to change.
Conditions and transaction limits apply. Read full terms and conditions.
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It's better to be a member
RAA members can receive discounts on shopping and entertainment with RAA Rewards, enter exclusive competitions and access member-only services.
Plus, we love to reward our loyal members with savings on select policies and products. -
What types of home insurance does RAA offer?
We offer home building insurance, contents insurance and combined home and contents insurance. We also offer cover for renters, landlords and holiday rentals.
How to make a Home Insurance claim
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Lodge your claim
If your home or contents have been damaged in an insured event, you can lodge an insurance claim. Our claims page has instructions to help you easily submit your claim online. You can do this 24 hours a day, 7 days a week. If you'd prefer to talk on the phone, you can call our SA-based claims team on 8202 4575 during business hours. If your home is unsafe or needs emergency repairs, call us immediately.
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We'll assess the situation
Once you've lodged your claim, our team will review your situation. We may contact you for more information - this could include proof of ownership, photos of the damage, or valuations. You will receive notifications with updates on your claim status via email or text. You can also track your claim online through My Account.
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We'll be in touch
We'll work with you on the next steps subject to your claims assessment. That could mean arranging repairs, replacing damaged items, or organising temporary accommodation while your home is undergoing repairs.
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Why choose RAA?
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Multi-policy discount
We give you a discount of up to 10% on each policy when you hold three or more insurance policies with RAA (excluding Travel Insurance) in the same name.* -
Seniors Card holder discount
Seniors Card holders can get a discount of up to 15% on their home insurance policy.* -
Loyalty discount
The more products you have with RAA and the longer you’ve been with us, the more you could save.*
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Our claims are handled in SA
You'll always speak to a local who understands. -
Shopping and entertainment discounts
You'll get access to RAA Rewards, so you can enjoy discounts on fuel, dining, shopping, cinema, entertainment and more from our network of partners across South Australia. -
RAA membership included
When you take out an insurance policy, you and any other policy holders automatically become members and get access to great benefits.
*Discounts do not apply to optional covers or statutory charges. A minimum premium applies. Discounts to your existing insurance policies will be applied at the next renewal of each policy.
On 1 July 2025 Allianz Australia Insurance Limited acquired RAA Insurance Limited and RAA Insurance Limited changed its name to Allianz South Australia Insurance Ltd (Allianz SA). Under the partnership, Allianz SA now underwrites RAA home and motor insurance policies with the RAA insurance brand. All other RAA businesses, including Roadside Assistance and RAA Travel, are not part of this change.
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We've won Canstar's Most Satisfied Customers Award - Home Insurance SA eight years in a row
In 2026 our members once again reported higher levels of product and service satisfaction than those of other eligible insurers. We're proud to have won Canstar's Most Satisfied Customers Award - Home Insurance SA.
Frequently asked questions
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What does home insurance cover?
What your home insurance covers will depend on the type of cover you choose. RAA Home Insurance can cover your home and contents against a range of insured events, such as fire, flood, storm and theft. Benefits include temporary accommodation, legal liability cover and more. You can also choose to add optional covers like accidental damage, cover for valuable items, and pet cover, depending on your cover type.
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When should I purchase home insurance?
This depends on your personal circumstances. According to the Legal Services Commission South Australia, you become responsible for any damage to the property from the moment that both parties sign a contract of sale. Some lenders may require you to have home building insurance from this date. If you're renting, you may choose to have contents insurance in place from the day that you move in.
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How much is home insurance?
The price of home insurance depends on a number of factors, including the sum insured of your home and/or contents and any optional extras you choose to add. To find out how much your home insurance would cost, get a quote online any time or call 8202 4567.
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How can I get cheaper home insurance?
We offer a few options to help reduce the cost of your home insurance. If you hold three or more eligible RAA insurance policies, you'll qualify for a multi-policy discount of up to 10%. Plus, the more products you have with RAA and the longer you've been with us, the more you could save through our loyalty discounts. Seniors Card holders are also entitled to a discount of up to 15%. Discounts do not apply to optional covers or statutory charges. A minimum premium applies. Discounts to your existing insurance policies will be applied at the next renewal of each policy.
The excess you choose can also impact your home insurance premiums. For example, if you choose a lower excess your premium will be higher. If you choose a higher excess, your premium will be lower.
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Do I need home insurance if I have body corporate?
Body corporates typically have insurance to cover the structure of buildings and common areas, but it’s important to check this for yourself. They don't usually cover your contents or any fixtures and fittings within your property. You may choose to consider contents insurance to cover this gap.
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Does home insurance cover water leaks?
Home insurance can cover water leaks in some scenarios. RAA Home Insurance covers sudden and accidental water damage caused by events like burst pipes or storm-related flooding. However, damage from gradual leaks, wear and tear, or lack of maintenance is generally not covered. If you're uncertain whether a specific incident would be covered, check the PDS or get in touch with our team by calling 8202 4567.
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Are solar panels included in home insurance?
Fixed solar panels are included in home building insurance. If you have just installed fixed solar panels, you could consider updating your home sum insured to reflect the cost of replacement. If you're unsure, get in touch with our team to discuss the details.
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Frequently asked questions
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Things you should know
Allianz South Australia Insurance Limited ABN 14 007 872 602 AFSL 232525 (Allianz SA) is the insurer and Royal Automobile Association of South Australia Limited ACN 677 371 274 (RAA) issues this under binder from Allianz SA. RAA do not provide any advice based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits, exclusions, and underwriting criteria apply. Before making a decision about this insurance, please consider the Product Disclosure Statement (PDS) and Supplementary PDS (if applicable) and the Target Market Determination (TMD).
Read the General Insurance Code of Practice and our complaint policy for further information about your rights.
For details on your rights and benefits as an RAA member, please refer to the Membership Terms and Conditions.
Find out how we support our vulnerable members.