Home & Contents Insurance

Have you just bought your first home? Maybe you're upsizing or downsizing? You could have cover for your home, contents and portable items in just a few minutes.

    Which policy is for me?

    Whether you're buying or renting, choose the cover that suits you best. You even have the option to add portable items to your cover, protecting things like your laptop and mobile phone across the whole of Australia and New Zealand.

    Home Contents
    Covers your home and permanently attached fixtures if lost or damaged by an insured event. It also includes any garages and outbuildings. Covers furniture and belongings inside your home, including carpets.
    Your house and any domestic outbuildings (garage, shed etc)
    Your house and any domestic outbuildings
    (garage, shed etc)
    Fixed floor coverings (e.g. floor boards)
    Fixed floor coverings (e.g. floor boards)
    Decking, fixed gazebos, patios & pergolas
    Decking, fixed gazebos, patios & pergolas
    Carpets, curtains & blinds
    Carpets, curtains & blinds
    Furniture & furnishings
    Furniture & furnishings
    Heat Pumps
    Heat Pumps
    White goods, phones & laptops
    White goods, phones & laptops
    Tools of trade
    Tools of trade
    Up tp $1,000
    Accidental damage
    Accidental damage Optional cover Optional cover

    See how easy it is to switch.

    Or call us on 13 27 22.

    Common Questions

    • How do I calculate the value of my home and contents?

      Take a look at our home and contents calculators.

    • I'm renovating. Does my policy still cover me?

      Depending on the extent of your renovations, we may need to agree in writing that we're covering you. Please call 13 27 22 to discuss your plans with us.

    • What is a specified item?

      If you have valuables that exceed the contents cover limit, you can specify them in your policy. See the home and contents PDS for cover limits.

    For full details about what is and isn't covered, take a look at the PDS.

    RACT Insurance Pty Ltd, ABN 96 068 167 804, AFS Licence 229 076, is the insurer.