Home Insurance
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Back to back winner of Canstar's Most Satisfied Customers - SA Home Insurer Award 2019-2020 -
Includes RAA membership -
Pay monthly at no extra cost -
Cover starts 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.
How we're keeping you moving through COVID-19 Find out more
Home and Contents Insurance
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, 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 may 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 cover you for up to $500 if food is spoiled inside your fridge or freezer as a result of an unplanned power outage.
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 caused by an animal excluding vermin, insects, birds and termites or where the animal entered, or is kept at, the property with your consent or the consent of a person permanently living with you.
Cover loss or damage -
Automatic sum insured adjustment
We automatically adjust the sum insured each year based on the estimated replacement cost (for example, to reflect increases in repair costs). You don't have to accept the revised sum insured and we'll happily change it on your request.
Adjusted for your benefit annually -
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 in the open air
We’ll cover your contents if they’re damaged from an insured event while being left outside, or stolen (subject to limitations applying to common areas). This is capped at $3,000 for any one insured event.
Cover damage or stolen up to $3,000 -
Contents while temporarily removed
If your home is damaged by fire, we'll cover the contents you take and keep with you (within Australia) while your home is unfit to live in. This is capped at 10% of the sum insured.
Cover contents 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 -
Legal costs
With our prior agreement, we’ll cover you for the legal costs involved in defending civil court proceedings arising from an insured event.
Cover legal costs -
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 -
Removal of debris and rebuilding costs
If your house is damaged, we can assist with the rebuilding costs, including surveys, design, legal work, demolition and removal of debris, plus any additional costs required to comply with current government or council laws. Capped at 10% of sum insured.
Assist with rebuilding costs up to 10% of sum insured -
Unfixed building materials
We'll cover you for loss or damage to unfixed building materials and uninstalled home fittings caused by an insured event. Capped at $500.
Cover loss or damage -
Legal Liability
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 will cover up to $20 million for your legal liability to pay compensation as a result of an accident within Australia and New Zealand, which causes death or bodily injury, or damage to other people's property. A total cap of $20 million applies to all legal liability cover. Various exclusions also apply.
Up to $20 million
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, 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 may 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 cover you for up to $500 if food is spoiled inside your fridge or freezer as a result of an unplanned power outage.
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 caused by an animal excluding vermin, insects, birds and termites or where the animal entered, or is kept at, the property with your consent or the consent of a person permanently living with you.
Cover loss or damage -
Automatic sum insured adjustment
We automatically adjust the sum insured each year based on the estimated replacement cost (for example, to reflect increases in repair costs). You don't have to accept the revised sum insured and we'll happily change it on your request.
Adjusted for your benefit annually -
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 in the open air
We’ll cover your contents if they’re damaged from an insured event while being left outside, or stolen (subject to limitations applying to common areas). This is capped at $3,000 for any one insured event.
Cover damage or stolen up to $3,000 -
Contents while temporarily removed
If your home is damaged by fire, we'll cover the contents you take and keep with you (within Australia) while your home is unfit to live in. This is capped at 10% of the sum insured.
Cover contents 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 -
Legal costs
With our prior agreement, we’ll cover you for the legal costs involved in defending civil court proceedings arising from an insured event.
Cover legal costs -
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 -
Removal of debris and rebuilding costs
If your house is damaged, we can assist with the rebuilding costs, including surveys, design, legal work, demolition and removal of debris, plus any additional costs required to comply with current government or council laws. Capped at 10% of sum insured.
Assist with rebuilding costs up to 10% of sum insured -
Unfixed building materials
We'll cover you for loss or damage to unfixed building materials and uninstalled home fittings caused by an insured event. Capped at $500.
Cover loss or damage -
Legal Liability
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 will cover up to $20 million for your legal liability to pay compensation as a result of an accident within Australia and New Zealand, which causes death or bodily injury, or damage to other people's property. A total cap of $20 million applies to all legal liability cover. Various exclusions also apply.
Up to $20 million
Home only
Home Insurance features
-
1Summary of features
Fire, including bushfire
We'll cover you if your home or contents are lost or damaged due to fire, 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 may 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 caused by an animal excluding vermin, insects, birds and termites or where the animal entered, or is kept at, the property with your consent or the consent of a person permanently living with you.
Cover loss or damage -
Automatic sum insured adjustment
We automatically adjust the sum insured each year based on the estimated replacement cost (for example, to reflect increases in building costs). You don't have to accept the revised sum insured and we'll happily change it on your request.
Adjusted annually for your benefit -
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 -
Legal costs
With our prior agreement, we’ll cover you for the legal costs involved in defending civil court proceedings arising from an insured event.
Cover legal costs -
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 -
Removal of debris and rebuilding costs
If your house is damaged, we can assist with the rebuilding costs, including surveys, design, legal work, demolition and removal of debris, plus any additional costs required to comply with current government or council laws. Capped at 10% of sum insured.
Assist with rebuilding costs up to 10% of sum insured -
Unfixed building materials
We'll cover you for loss or damage to unfixed building materials and uninstalled home fittings caused by an insured event. Capped at $500.
Cover loss or damage up to $500 -
Legal Liability
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 will cover up to $20 million for your legal liability to pay compensation as a result of an accident within Australia and New Zealand, which causes death or bodily injury, or damage to other people's property. A total cap of $20 million applies to all legal liability cover. Various exclusions also apply.
Up to $20 million
Home 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, 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 may 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 caused by an animal excluding vermin, insects, birds and termites or where the animal entered, or is kept at, the property with your consent or the consent of a person permanently living with you.
Cover loss or damage -
Automatic sum insured adjustment
We automatically adjust the sum insured each year based on the estimated replacement cost (for example, to reflect increases in building costs). You don't have to accept the revised sum insured and we'll happily change it on your request.
Adjusted annually for your benefit -
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 -
Legal costs
With our prior agreement, we’ll cover you for the legal costs involved in defending civil court proceedings arising from an insured event.
Cover legal costs -
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 -
Removal of debris and rebuilding costs
If your house is damaged, we can assist with the rebuilding costs, including surveys, design, legal work, demolition and removal of debris, plus any additional costs required to comply with current government or council laws. Capped at 10% of sum insured.
Assist with rebuilding costs up to 10% of sum insured -
Unfixed building materials
We'll cover you for loss or damage to unfixed building materials and uninstalled home fittings caused by an insured event. Capped at $500.
Cover loss or damage up to $500 -
Legal Liability
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 will cover up to $20 million for your legal liability to pay compensation as a result of an accident within Australia and New Zealand, which causes death or bodily injury, or damage to other people's property. A total cap of $20 million applies to all legal liability cover. Various exclusions also apply.
Up to $20 million
Contents only
Contents Insurance features
-
1Summary of features
Fire including bushfire
We'll cover you if your contents are lost or damaged due to fire, 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 cover you for up to $500 if food is spoiled inside your fridge or freezer as a result of an unplanned power outage.
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 may 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 caused by an animal excluding vermin, insects, birds and termites or where the animal entered, or is kept at, the property with your consent or the consent of a person permanently living with you.
Cover loss or damage -
Automatic sum insured adjustment
We automatically adjust the sum insured each year based on the estimated replacement cost (for example, to reflect increases in building costs). You don't have to accept the revised sum insured and we'll happily change it on your request.
Adjusted annually for your benefit -
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 in the open air
We’ll cover your contents if they’re damaged from an insured event while being left outside, or stolen (subject to limitations applying to common areas). This is capped at $3,000 for any one insured event.
Cover damage or stolen up to $3,000 -
Contents while temporarily removed
If your home is damaged by fire, we’ll cover the contents you take and keep with you (within Australia) while your home is unfit to live in. Capped at 10% of the sum insured.
Cover contents up to 10% of sum insured -
Legal costs
With our prior agreement, we’ll cover you for the legal costs involved in defending civil court proceedings arising from an insured event.
Cover legal costs -
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
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 will cover up to $20 million for your legal liability to pay compensation as a result of an accident within Australia and New Zealand, which causes death or bodily injury, or damage to other people's property. A total cap of $20 million applies to all legal liability cover. Various exclusions also apply.
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, 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 cover you for up to $500 if food is spoiled inside your fridge or freezer as a result of an unplanned power outage.
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 may 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 caused by an animal excluding vermin, insects, birds and termites or where the animal entered, or is kept at, the property with your consent or the consent of a person permanently living with you.
Cover loss or damage -
Automatic sum insured adjustment
We automatically adjust the sum insured each year based on the estimated replacement cost (for example, to reflect increases in building costs). You don't have to accept the revised sum insured and we'll happily change it on your request.
Adjusted annually for your benefit -
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 in the open air
We’ll cover your contents if they’re damaged from an insured event while being left outside, or stolen (subject to limitations applying to common areas). This is capped at $3,000 for any one insured event.
Cover damage or stolen up to $3,000 -
Contents while temporarily removed
If your home is damaged by fire, we’ll cover the contents you take and keep with you (within Australia) while your home is unfit to live in. Capped at 10% of the sum insured.
Cover contents up to 10% of sum insured -
Legal costs
With our prior agreement, we’ll cover you for the legal costs involved in defending civil court proceedings arising from an insured event.
Cover legal costs -
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
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 will cover up to $20 million for your legal liability to pay compensation as a result of an accident within Australia and New Zealand, which causes death or bodily injury, or damage to other people's property. A total cap of $20 million applies to all legal liability cover. Various exclusions also apply.
Up to $20 million
Optional 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 -
Specified items 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 -
Specified items inside the 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.
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 personal medical equipment arising from an insured event; up to $5,000 for modifications to your home due to an accident or 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. 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
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 -
Specified items 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 -
Specified items inside the 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.
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 personal medical equipment arising from an insured event; up to $5,000 for modifications to your home due to an accident or 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. 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
Back to back winner of Canstar's Most Satisfied Customers - SA Home Insurer Award 2019-2020
Why choose RAA Home Insurance?
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10% multi-policy discount
We give you a 10% discount off each policy when you hold three or more insurance policies with RAA (excluding Travel Insurance), in the same name. -
10% Seniors Card holder discount
Seniors card holders are entitled to a 10% 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.
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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. -
Winner of DBM’s Most Recommended General Insurer award
RAA wins national accolade at the DBM Australian Financial Awards. This award recognises the broad range of value-for-money insurance options, and the outstanding customer service we provide the South Australian community.
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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 (PDF, 459KB) with the Supplementary Product Disclosure Statement (PDF, 70KB). RAA Insurance products are issued by RAA Insurance Limited, ABN 14 007 872 602, AFS Licence No. 232525.
For details on your rights and benefits as an RAA member, please refer to the Membership Terms and Conditions.