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Insured with RACQ? We’ve got you protected against severe weather this storm season.

Flood, hail and storm are considered insured events under RACQ Comprehensive Car Insurance, and Home and/or Contents Insurance policies.##

If you have submitted a claim, we will be in touch as soon as possible. See what to do after a storm.

Protect your happy place with RACQ Home Insurance

Home is your escape from the world. It's the click of your key welcoming you back after a long day on your feet. It's the grass you secretly enjoy mowing. It's curling up in that big, not-so-trendy couch that you bought anyway. At RACQ, we want to look after your home. So, whether you rent an apartment, own a Queenslander, or you are a landlord, with RACQ Home Insurance you can get cover that protects your happy place.

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RACQ Home Insurance

Every home is unique. Get cover for your living situation.

Home and content insurance

Home and contents insurance

Cover your home and belongings

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    Insure for fire, theft, flood, storm, hail, and cyclones
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    New for old contents replacement
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    Up to 12 months temporary accommodation after an insured event if your home is being rebuilt or repaired
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    Up to $1,000 for food spoilage without paying an excess
Home insurance

Home insurance

Cover your home

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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 being rebuilt or repaired
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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
Content insurance

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

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Find the right RACQ Home Insurance for your needs

Compare our home and contents insurance options to get the right amount of cover for your household.

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Building insurance calculator
Get an insight into what it would cost to rebuild your home.
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Contents insurance calculator
Understand the cost of replacing your personal belongings, so you know how much to insure them for.

Why choose RACQ for your home insurance?

We insure solar panels
Including cover for solar panels as standard is just one of the ways we’re helping Queenslanders go green. Discover other ways we can help you live more sustainably. 

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    We’re proudly Queensland based
    Chat to a local when you call or drop into an RACQ store.
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    We’re committed to serving our members
    RACQ exists to make the lives our members better.
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    We have a reputation for excellence
    RACQ took out 15 Mozo People’s Choice and Expert Choice awards in 2021.
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    We give back to the community
    RACQ programs help Queenslanders when they need us the most.

Award-winning cover

RACQ Home and Contents Insurance is a back-to-back winner of Mozo's People's Choice Awards for Highly Trusted. In 2021 RACQ Home Insurance has been recognised for Excellent Customer Service, being Highly Trusted and Outstanding Customer Satisfaction. 

RACQ car insurance mozo awards

Your home insurance comes with member perks~~

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Decorate your house with discounts
Members save on home furnishings, flooring, and more! 
Home Solar
Save on home solar packages
Lower your energy bills with reduced price solar panel installation. 
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Take advantage of storage discounts
Get 10% off storage and 15% off packaging at StoreLocal. 
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Enjoy everyday member savings
Spend less on fuel, movie tickets, and eGift cards. 

While you're here

GEM-Energy-Home-Solar-Packages-600x350
Home solar
Find out how to make your home greener and your power bills smaller with a GEM Energy solar
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Renovating
Our useful guide for home renovation outlines the steps to consider and home renovation loan options available to get your home improvements started.
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Home loans
Whether you're a first home buyer, an investor, or you're refinancing, RACQ Bank offers home loans

Things to note

Insurance products (excluding Travel Insurance and the Life and Income Protection Insurance suite of products) 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 PDS and any applicable Supplementary PDS plus any relevant Key Facts Sheet before making a purchase decision on this product. You can also access our Target Market Determinations on this website. 

##Exclusions apply. Please read the Product Disclosure Statement (PDS), any applicable Supplementary PDS and Key Facts Sheet for full details.

*Excludes pay later option.

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.

~~ 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.

^ Conditions, limitations, and exclusions apply. Service provided by RACQ's contracted service provider Aizer Trade Services Pty Ltd, QBCC licence 15137712, electrical contractor licence 86177. Available in selected areas only. Where applicable, follow-up work requires a separate contract with Aizer Trade Services Pty Ltd. RACQ accepts no responsibility for this follow-up work. While not guaranteed, RACQ’s Service Provider will endeavour for a licensed tradesperson to arrive within 4 hours.