Home & Contents Insurance

Your home is often your most prized possession, and also the most expensive. Choose the home and contents insurance cover that suits you best.

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Common questions

Peace of mind for some of your biggest investments.

  • Cover for loss or damage

    Your home and contents will be covered for insured events such as storm, flood, fire, escape of liquid, impact, theft and more.

  • Safety net

    If the cost to repair or rebuild your home is more than the sum insured, we'll pay up to an extra 25%.

  • Keys and locks

    If your keys are stolen, we'll cover up to $1,000 to replace or recode the keys, remotes, transponders or locks.

  • Legal liability

    We'll pay up to $20 million to cover costs due to an incident at your home under 'home' cover, or up to $20 million away from your home under 'contents'.

  • New for old

    When we replace your contents or rebuild your home, we will do so on a 'new-for-old' basis.

  • Temp accommodation

    If you can't live in your home as a result of an insured event, we'll cover up to 10% of your sum insured for temporary accommodation costs.

  • Repair guarantee

    We guarantee the quality of materials and workmanship of repairs where we have authorised, arranged and paid the repairer directly for the repairs. This applies while you own the home, contents or portable item(s).

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 contents cover, protecting things like your laptop and mobile phone when you're on the move within Australia and New Zealand.

HomeContents
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)

YesNo
Fixed floor coverings (e.g. floor boards)

YesNo
Decking, fixed gazebos, patios & pergolas

YesNo
Carpets, curtains & blinds

NoYes
Furniture & furnishings

NoYes
Heat Pumps

YesNo
White goods, phones & laptops

NoYes
Tools of trade

NoYesUp to $1,000
Accidental damage

YesOptional coverYesOptional cover

See how easy it is to switch.

Get a quote

Or call us on 13 27 22.

Why choose us?

  • Multi policy discount

    Save 10% on your premium when you insure three or more eligible products. T&Cs apply*.

  • Flexible excess choices

    Choose an excess to suit you and your budget. A higher standard excess can lower your premium.

  • Free membership

    When you take out home and contents insurance with us, you automatically get access to great benefits and discounts.

  • We're Tasmanian

    Our call centre is right here in Tasmania. When you speak with our team, you'll be speaking to a local who understands.

  • 24/7 emergency assistance

    You can call us on 13 27 22, 24/7 for emergency assistance if you need to lodge a claim.

  • No fee direct debit

    You won't incur any extra fees if you choose to pay your premium by monthly direct debit.

Common questions

  • How do I calculate the value of my home and contents?
  • I'm renovating, does my policy still cover me?
  • What is a specified item?
  • How do I cancel my insurance policy?

Our home and contents insurance coverage is suitable for homes and contents within Tasmania.

#Existing eligible active RACT Insurance policyholders on 31 July 2026 automatically receive one draw entry. Purchase a new eligible RACT Insurance product between 10 April and 31 July 2026 for one additional entry per new product. Excludes Pet, Travel and Strata Insurance. T&Cs apply.

Before buying insurance issued by RACT Insurance Pty Ltd (ABN 96 068 167 804, AFS licence 229 076) you should read the Product Disclosure Statement (PDS) which you can find along with the Target Market Determination (TMD) on our Insurance Documents page.

*Multi Policy Discount terms and conditions apply.

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