Is RACV home and Contents Insurance any good?

Is RACV home and contents insurance any good in Australia, yes it is generally rated good for Victorian residents, with 4.1 to 4.3 stars on ProductReview from 2,000+ reviews, owned by IAG same as NRMA, offering comprehensive cover tailored for Victoria. RACV building and contents insurance offers sum insured $500K building and $80K contents, with benefits like 10% multi-policy discount if you have RACV car insurance, 15% online discount, flood cover included, accidental damage option, $20M public liability, and emergency accommodation $5K to $10K, plus choice of repairer option. Average premium for combined $500K building and $80K contents is $1,700 to $2,400 per year in Victoria, mid-range, cheaper than NRMA in NSW but more expensive than Budget Direct $1,200 to $1,600, with excess $500 to $1,000. Reviews praise easy claims process and helpful call centre, with many saying claim paid within 2 weeks for storm and theft, and good service for emergency. Negative reviews mention premium increases 20% in last 2 years and flood exclusion in high-risk areas, and difficulty getting discount without RACV membership $100 per year. Canstar rates RACV 4 stars for features and value in Victoria. So RACV home and contents insurance is good for Victorians, especially if you have RACV car insurance for discount, with good coverage and service, but not cheapest, compare with Budget Direct and Youi for price, and check PDS for flood and excess.