Thanks OP - my MIL is with RACV as well and what she pays is HALF of what the quotes are that I am getting, there property is in Meeniyan though so it's an ever smaller town than where ours is so that may be a factor. Will be calling them today. Most of the places I am calling for insurance, have basic building insurance, then on top of that as an extra rent default and malicious damage which isn't covered with the building cover. I had no idea, plus the cheapest I have found just for building cover is $40 a mth for $200,000 cover. Ugh will keep searching but need to decide and lock it in today!!