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RAC WA building insurance: what each policy covers, and who underwrites it

2 building policies from RAC WA. For each: how the building is valued, whether flood and accidental damage are covered, and what happens once the building is left empty, with the sentence from its own documents. Underwritten by RAC Insurance Pty Limited.

Website: rac.com.au/
What it is: Insurer
Listed on: Houses and rental properties
Underwriter: RAC Insurance Pty Limited
APRA: Authorised by APRA to write new general insurance (listed as RAC Insurance Proprietary Limited)
Sold by: RAC Distribution Pty Ltd · authorised representative no. 238025

Building policies

RAC Building Insurance

Type: Home building · Residential
Sold: Direct
Building valued as: Sum insured
Flood: Included
Accidental damage: Not stated
Left empty: Cover may be refused after 60 days. You must tell the insurer. Unless you told RAC in advance and agreed a plan (mail stopped, garden kept, weekly inspection); only where the vacancy caused the loss.
Who it is for: People wanting cover for a home building located in Western Australia (TMD).
Sold in: WA
Documents: Combined PDS and Financial Services Guide - Building, Contents and Personal Valuables (policies from 25 February 2021) (25 February 2021) · Supplementary PDS (prepared 14 July 2021) (14 July 2021) · Key Facts Sheet - RAC Building Insurance (prepared 12 January 2021) (12 January 2021) · Target Market Determination - RAC Building Insurance

No cover for flood, storm or bushfire for the first 48 hours after purchase unless the home was continuously insured before.
Only accidental glass breakage is included for the building; the PDS offers accidental damage for contents only, so the building field is null.
The PDS is dated 25 February 2021 and the website notes later SPDS documents.

The policy

“RAC Building Insurance has been designed to meet the needs of those who wish to protect against a financial loss that may result from a specified event damaging their home building located in Western Australia.”

Source: sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/tmd/18092-insurance_tmd_docs_building_ebook.pdf?modified=20231025060743 · Confirmed on the insurer's page on 13 November 2026.

How it is sold

“RAC Building Insurance can only be purchased from our Call Centre, Member Service Centre or via the website: rac.com.au.”

How the building is valued

“Under this Building policy you set the maximum level of cover and your payment is limited to that amount (Sum insured).”

Source: sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/kfs/combined-kfs-12102021_r2.pdf?modified=20231025060254 · Confirmed on the insurer's page on 13 November 2026.

Flood

“Storms, including hail, lightning and flood.”

Left empty

“We may reduce the cover we provide, or not provide any cover at all when: » You do not provide reasonable protection for your building and/or contents; » You leave your building unoccupied for 60 consecutive days or more”

Source: sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/pds/home-pds-25022021.pdf?modified=20231109025231 · Confirmed on the insurer's page on 13 November 2026.

Who it is for

RAC Landlord's Insurance (building)

Type: Landlord · Residential
Sold: Direct
Building valued as: Sum insured
Flood: Included
Accidental damage: Not stated
Left empty: Cover may be refused after 60 days. You must tell the insurer. Unless you told RAC in advance and agreed a plan (mail stopped, garden kept, weekly inspection); only where the vacancy caused the loss. Gaps between tenants count.
Who it is for: Owners of residential buildings that have tenants living in them (RAC landlord page).
Sold in: WA
Documents: Combined PDS and Financial Services Guide - Building, Contents and Personal Valuables (policies from 25 February 2021) (25 February 2021) · Supplementary PDS (prepared 14 July 2021) (14 July 2021) · Key Facts Sheet - RAC Building Insurance (prepared 12 January 2021) (12 January 2021) · Target Market Determination - RAC Building Insurance

Landlord cover is offered through the same Building, Contents and Personal Valuables PDS; the building TMD says the product is not suitable where it is 'Rented out as an investment property and cover is required for rent default and malicious damage by the tenants'.

The policy

“Our landlord’s building insurance will cover your building and other structures at your site used for domestic purposes against events such as fire, flood, storm, theft, malicious damage up to the sum insured.”

Source: rac.com.au/home-life/home-insurance/landlords-insurance · Confirmed on the insurer's page on 13 November 2026.

How it is sold

“RAC Building Insurance can only be purchased from our Call Centre, Member Service Centre or via the website: rac.com.au.”

How the building is valued

Source: rac.com.au/home-life/home-insurance/landlords-insurance · Confirmed on the insurer's page on 13 November 2026.

Flood

Source: rac.com.au/home-life/home-insurance/landlords-insurance · Confirmed on the insurer's page on 13 November 2026.

Left empty

Source: sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/pds/home-pds-25022021.pdf?modified=20231109025231 · Confirmed on the insurer's page on 13 November 2026.

Who it is for

“Landlord’s insurance can cover residential buildings that you, as the owner, have tenants living in.”

Source: rac.com.au/home-life/home-insurance/landlords-insurance · Confirmed on the insurer's page on 13 November 2026.

Who underwrites and sells it

Underwriter

“Underwritten by RAC Insurance Pty Limited ABN 59 094 685 882, AFSL Number 231222.”

Source: sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/kfs/combined-kfs-12102021_r2.pdf?modified=20231025060254 · Confirmed on the insurer's page on 13 November 2026.

Who sells it

“RAC Distribution Pty Ltd (ABN 71 092 581 470) (RAC Distribution) is our authorised representative. Its Authorised Representative number is 238025.”

Source: sitecore-prd-cdn.rac.com.au/-/media/files/rac-website/pdfs/products/insurance/pds/home-pds-25022021.pdf?modified=20231109025231 · Confirmed on the insurer's page on 13 November 2026.

RAC Insurance Pty Limited: licence

AFS licence: 231222 · RAC INSURANCE PTY LIMITED
ABN: 59094685882
Licensed since: 1 November 2003
Principal business: West Perth WA 6005
General insurance: Licensed to deal in general insurance products

From ASIC's AFS Licensee dataset, release of 11 November 2026, Creative Commons Attribution 3.0 Australia.

Deep Almanac is a secondary source and this page is provided for general information and reference. It is not financial, investment, legal, valuation, educational or other professional advice, and it is not a substitute for checking the original source. What each policy covers and who underwrites it are read from each insurer's own documents by hand and re-checked daily, so a change can take a day to appear, and the policy wording you are issued is what applies to you. You are responsible for any decision you or your software makes in reliance on this page. See our terms of use.