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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 one of your biggest investments

  • 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'.

  • Cover for loss or damage

    From insured events such as storm, flood, fire and theft.

  • Keys and locks

    If your keys get stolen when you're away from home, we'll pay to re-key or replace the locks.

  • 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%.

  • New for old

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

  • Temporary accommodation

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

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 & pergolasYesNo
Carpets, curtains & blindsNoYes
Furniture & furnishingsNoYes
Heat PumpsYesNo
White goods, phones & laptopsNoYes
Tools of tradeNoYesUp to $1,000
Accidental damageYesOptional coverYesOptional cover

See how easy it is to switch.

Get a quote

Or call us on 13 27 22.

Why choose us?

  • Free membership

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

  • Flexible excess choices

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

  • 24/7 emergency assistance

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

  • We're Tasmanian

    Our call centre is right here in Tasmania. If you ever need to speak with our team, you'll be speaking to someone from your community who understands.

Common questions

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

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.

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