Protect your happy place with RACQ Home Insurance
We’re a different kind of insurer. When you insure your home with us, you become a member. That means we’ll be by your side if things go wrong.
- Over 350,000 Queenslanders count on us to protect their home^
- Coverage for Queensland – our home insurance covers damage or loss from storm, flood, hail, fire and theft
- You get temporary accommodation if an insured event makes your home unfit to live in during repairs~
- New for old replacement of your contents
- Solar panels are included as standard for an insured event in our home insurance cover
- Queensland based – meaning you can click, call or visit us instore
Home and contents insurance
Cover your home and belongings
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Insure for fire, theft, flood, storm, hail, and cyclones -
New for old contents replacement
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Up to 12 months temporary accommodation after an insured event if your home is unfit to live in~
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Up to $1,000 for food spoilage without paying an excess
Home building insurance
Cover your home building
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Insure for fire, theft, flood, storm, hail, and cyclones
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Up to 12 months temporary accommodation after an insured event if your home is unfit to live in~
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Up to 10% of the home sum insured to cover redesign work to repair or rebuild your home after an insured event
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Cover for loss or damage to sheds, carports, fixed swimming pools, solar panels, and water tanks
Contents insurance
Cover your belongings
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Insure against fire, theft, flood, storm, and cyclones
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New for old contents replacement
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Up to $1,000 for food spoilage without paying an excess
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Choice to insure portable valuables like jewellery, mobile phones, tablets, and laptops
This is a summary only. For full details of what’s included in RACQ Home Insurance, see our Product Disclosure Statement (PDS), any applicable Supplementary PDS, Key Facts Sheet and Target Market Determinations
Calculators to help you complete your home and contents insurance quote
Manage your home and contents insurance
More reasons why you should choose RACQ for your home insurance
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Member owned – we serve our members and their communities, not shareholders -
Member benefits helping make daily life more affordable -
Save on your home with discounts at Andersens, Wattyl Paint Centres and on Myer eGift Cards -
Save on home furnishings with Freedom Furniture and Temple and Webster eGift Cards
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Save on holidays with offers and discounts on car hire, attractions and accommodation -
Save on everyday items and expenses with discounts on fuel, food and dining, groceries, shopping, movies, and more
Award-winning insurance
RACQ are the proud winner of the 2023 Mozo People’s Choice Award for Highly Trusted and the 2023 Mozo People’s Choice Award for Excellence Claims Experience for Home Insurance in Queensland.
Your home insurance comes with member perks~~
Relax and save on stays at RACV Resorts in Queensland, Victoria, and Tasmania.
Movie night just got better- Save up to 40% on eVouchers for Event Cinemas and BCC Cinemas.
Dig into delicious discounts at more than 300 food and dining locations across Queensland.
Save on everyday essentials with 4% off pre-purchased Woolworths Supermarket eGift Cards.
Home insurance FAQs
While you're here
Things to note
Insurance products (excluding Travel Insurance) are issued by RACQ Insurance Limited ABN 50 009 704 152 (RACQ). Conditions, limits and exclusions apply. This is general advice only and may not be right for you. This information does not take your personal objectives, circumstances or needs into account. Read the Product Disclosure Statement (PDS) and any applicable Supplementary PDS before making a purchase decision on this product. You can also access our Target Market Determinations on this website.
~Up to 10% of the sum insured, short term accommodation costs for up to 14 days and ongoing accommodation costs for up to 12 months.
*The online discount will be applied and deducted on the total annual premium amount payable on your new policy. Excludes pay later option and any policy renewals. Discount amounts may be pro-rated for cover of less than 12 months.
^Based on RACQ data as at 13 May 2025, over 350,000 Queenslanders held Household Insurance policies with either Home cover, Contents cover, or Home and Contents cover.
Banking and loan products issued by Members Banking Group Limited ABN 83 087 651 054 AFSL/Australian credit licence 241195 trading as RACQ Bank. Terms, conditions, fees, charges and lending policies apply. This is general advice only and may not be right for you. This information does not take your personal objectives, circumstances or needs into account. Read the disclosure documents for your selected product or service, including the Financial Services Guide and the Terms and Conditions, and consider if appropriate for you before deciding.
Except for RACQ Bank, any RACQ entity referred to on this page is not an authorised deposit-taking institution for the purposes of the Banking Act 1959 (Cth). That entity’s obligations do not represent deposits or other liabilities of RACQ Bank. RACQ Bank does not guarantee or otherwise provide assurance in respect of the obligations of that entity, unless noted otherwise.
RACQ Bank subscribes to the Customer Owned Banking Code of Practice which establishes higher standards than the law requires. The Code reflects modern consumer expectations and developments in approaches to issues such as consumer vulnerability, guarantors, and supporting customers through financial hardship. Please read our Customer Owned Banking Code of Practice page for more information.
~~ Terms and conditions apply to all offers. View the individual offer for full details. Offer is subject to availability and may be withdrawn at any time without notice.