Home Building Insurance
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Winner of Canstar's Most Satisfied Customers – SA Home Insurance Award 2019–2024 -
Discounts and benefits for RAA members -
Easy online claims 24/7 -
Pay monthly at no extra cost
Get a Home Building Insurance quote from SA locals
Our Home Building Insurance covers your home for events like fire, flood and storm. It includes additional benefits like temporary accommodation, cover for motor burnout and legal liability. You can also add optional Fixtures and Fittings Cover for your home.
Getting a quote online is quick and easy, and you can claim online 24/7.
We'll cover your home for these insured events |
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Fire, including bushfire¹ |
Flood² |
Storm and rainwater runoff¹ |
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Burglary, theft and attempted theft¹ |
Bursting or leaking liquid |
Impact damage |
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Malicious damage and vandalism |
Lightning |
Earthquake or tsunami¹ |
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Explosion |
Damage by an animal³ |
Riot or civil commotion |
¹48 hour waiting period applies. ²72 hour waiting period applies. ³Excludes damage caused by domestic pets, vermin, insects, spiders, reptiles, birds or termites.
Home Building Insurance with great additional benefits
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Accommodation for up to 12 months
If your home’s unfit to live in due to an insured event. Up to 10% of your sum insured. -
Accidental breakage of glass and sanitary fixtures
Repair or replacement of fixed glass in windows and fixed sinks, basins, baths or toilets. -
Legal liability
Cover for up to $20 million for legal liability claims due to an incident in the home that causes death or bodily injury, or loss or damage to other people’s property.
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Sum insured safety net
Additional cover up to 10% of your sum insured if your home's damaged by an insured event and the cost of repairing or rebuilding is more than your sum insured. -
Replacement of locks
Up to $1,000 cover for replacement of locks or changing house keycodes if your keys are lost or stolen. -
Motor burnout
Replacement or repair of household electric motors if they burn out or fuse and are less than 10 years old.
Add optional Fixtures and Fittings Cover
Why choose RAA insurance?
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10% multi–policy discount
We give you a 10% discount on each policy when you hold three or more insurance policies with RAA (excluding Travel Insurance) in the same name.* -
15% Seniors Card holder discount
Seniors Card holders can get a 15% discount on their home and contents insurance policy.* -
Shopping and entertainment discounts
You'll get access to RAA Rewards, so you can enjoy discounts on fuel, dining, shopping, cinema, entertainment and more from our network of partners across South Australia.
*Discounts do not apply to optional covers or statutory charges. A minimum premium applies. Discounts to your existing insurance policies will be applied at the next renewal of each policy.
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We've won Canstar's Most Satisfied Customers - SA Home Insurer Award for the sixth year running
In 2024 our members once again reported higher levels of product and service satisfaction than those of other eligible insurers. We’re proud to have won the Canstar Most Satisfied Customers – SA Home Insurer Award.
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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.
Frequently asked questions
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How much should I insure my home for?
When you get a quote with us, you can choose your own ‘sum insured’, which is an amount based on what it would cost to repair or rebuild your home. It also includes the cost of demolishing and clearing.
If the amount you insure your home for (the sum insured) isn’t adequate, you may be out of pocket if there’s an insured event.
Our home sum insured calculator is a handy starting point and could help you work out the cost of replacing your home in the case of a total loss. The calculator is not suitable for homes covered by strata.
The home sum insured calculator is a guide only, does not constitute personal advice and won’t take into account individual circumstances or preferences. We recommend getting expert advice to determine an adequate replacement sum insured for your property.
See the relevant Product Disclosure Statement for all inclusions, exclusions and limits.
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Can I insure my home for more than the home sum insured calculator suggests?
Yes, you can. Our home sum insured calculator is only intended to be a guide and we recommend getting expert advice to determine an adequate replacement sum insured for your property.
However, if you choose to insure your home for more than the cost to repair or rebuild your home, we’ll only pay the actual cost of repairing, replacing or rebuilding.
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Does RAA Home Building Insurance include flood, storm, fire and bushfire cover?
Yes, our Home Building Insurance covers you for flood, storm, fire and bushfire, but there are some limits, exclusions and waiting periods. The waiting period for flood is 72 hours and the waiting period for storm, fire and bushfire is 48 hours.
See the relevant Product Disclosure Statement for all inclusions, exclusions and limits.
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Does RAA Home Building Insurance include cover for carpets and floating floors?
No, our Home Building Insurance doesn’t include cover for carpets and floating floors – these things are covered by our Contents Insurance.
If your home’s rented to tenants, our optional Fixtures and Fittings Cover includes cover for carpets, floating floors, internal blinds and mobile dishwashers.
To add Fixtures and Fittings Cover to a new policy, choose it when getting a quote. To add it to an existing policy, call us on 8202 4567.
See the relevant Product Disclosure Statement for all inclusions, exclusions and limits.
Looking for a different type of Home Insurance?
We're here to help
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Call us
Monday to Friday, 8am to 6pm
Saturday, 9am to 12pm -
Enquire online
Send us a message and we'll contact you -
Find a shop
Drop in and chat face-to-face -
Frequently asked questions
Visit our Help Centre for answers to FAQs, important documents and more
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 relevant Product Disclosure Statements (PDS) and Target Market Determinations (TMD). RAA Insurance products are issued by RAA Insurance Limited, ABN 14 007 872 602, AFS Licence No. 232525.
Read the General Insurance Code of Practice and our complaint policy for further information about your rights.
For details on your rights and benefits as an RAA member, please refer to the Membership Terms and Conditions. Find out how we support our vulnerable members.