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RAA Home and Contents Insurance combines cover for a home and its belongings, but the policy does not automatically cover every loss or every item. The policy wording, your Certificate of Insurance, selected options, excesses and any recorded exclusions or variations determine what applies to you.

What RAA Home and Contents Insurance covers

RAA offers combined Home and Contents cover as well as separate Home Building and Contents policies. The combined option is intended to cover both the insured home and its contents for specified insured events. With building-only cover, belongings are not included; with contents-only cover, the home structure is not insured. Check that the product you select matches what you need to protect. RAA’s Home and Contents page and home-insurance overview describe these product choices.

The Product Disclosure Statement (PDS) sets out insured events, liability cover, additional benefits and optional covers. The Certificate of Insurance records the cover applicable to your policy, including any variations, exclusions or additional excess requirements. Read both rather than relying on a summary or event checklist on a product page. RAA’s Home and Contents PDS explains the terms that qualify the advertised cover.

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Which events are listed, and does flood cover apply?

RAA lists events that include fire (including bushfire), flood, storm and rainwater runoff, burglary, theft or attempted theft, liquid escaping from certain sources, impact damage, malicious damage and vandalism, lightning, earthquake or tsunami, explosion and some animal damage. The product page states that waiting periods apply to some events: 48 hours for some listed events and 72 hours for flood. The event definitions, exclusions and other PDS terms determine whether a particular loss is covered; the list is not a promise of unconditional cover.

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Animal damage has stated exclusions, including damage caused by domestic pets, vermin, insects, spiders, reptiles, birds or termites. For the applicable definitions, waiting-period conditions and exclusions, check the PDS and your Certificate of Insurance. RAA’s product page lists the events and waiting periods; the PDS contains the operative policy terms.

How sums insured and item limits affect a claim

For an insured incident, the PDS generally limits payment to the lower of the applicable repair or replacement cost and the relevant sum insured, subject to other policy terms and specific limits for some item categories. A sum insured is therefore not a guaranteed payout. RAA warns that setting the contents sum insured too low can leave you out of pocket.

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When choosing a contents sum insured, estimate what it would cost to replace your belongings, and check whether specific item limits affect valuable or higher-cost possessions. Review the applicable excess as well: it affects what you pay toward a claim. Your Certificate of Insurance shows the cover and excesses that apply to your policy. RAA’s PDS describes the sum-insured basis and policy limits, while its renters contents page warns about the risk of underinsuring belongings.

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Optional cover and belongings away from home

RAA advertises optional Accidental Damage Cover, Cover for Valuable Items and Pet Cover. These options are not automatic: availability, premium, limits and terms depend on selection and are subject to the PDS and Certificate of Insurance. Confirm each option and its applicable limit on your quote and policy documents.

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Contents temporarily removed from home

RAA states that contents temporarily removed to another residential address or a storage facility are covered up to 10% of the contents sum insured, subject to conditions and exclusions. This limit should not be read as unrestricted cover for every item or circumstance.

Accidental damage and specified valuables

The PDS describes optional accidental-damage cover for accidental loss, theft or damage in Australia and New Zealand. Separate away-from-home protection may apply to specified items that have been agreed and can extend worldwide under its terms. Worldwide cover should not be assumed for all belongings: check that the relevant option is selected, the item is specified where required, and the policy terms apply. See RAA’s Home Insurance Help Centre and the PDS for conditions.

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Claims and policy documents to check

RAA advertises online claims access 24 hours a day, seven days a week. Its renters contents page says customers can lodge a claim through My Account or by phone, and that claims are handled in South Australia. Check the current claims page for the available lodgement route and contact details. These service details do not establish a claim’s approval, processing time or outcome.

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  • Confirm whether your policy is combined, building-only or contents-only.
  • Read the latest PDS attached to your quote or renewal, along with your Certificate of Insurance.
  • Check the insured events, waiting periods, exclusions, excesses, item limits and sum insured.
  • Verify which optional covers you selected and whether they cover belongings away from home.
  • Look for any policy-specific variation, exclusion or additional excess recorded on your certificate.

RAA’s document index says the linked Home and Contents PDS applies to policies created on or after 30 September 2021 and renewals effective on or after 1 October 2021. Because the version applicable to a particular quote or renewal can matter, use the latest PDS supplied with your own documents and check the RAA PDS and TMD index.

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How to judge whether it suits you

There is no reliable price verdict without a current quote based on your address, property details, selected cover and excess. To compare RAA with another insurer, match the cover type and compare event definitions and waiting periods, sums insured and item limits, excesses, optional accidental-damage and valuables protection, additional benefits, exclusions and claim routes. A lower quoted premium alone does not show that two policies provide equivalent cover.

RAA’s product page advertises a Canstar South Australia home-insurance customer-satisfaction award for 2019–2026. That is an award claim made on the company’s page; it does not establish a price advantage or independently demonstrate what cover will suit an individual household. Check the current quote and policy documents before deciding.

Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.

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