Compare our home insurance options and choose the cover that's right for you
RACQ offers different home insurance options for Queenslanders to protect their most valuable assets and belongings. With RACQ Home Insurance you also become an RACQ member and gain access to a wide range of membership benefits.
- Contents insurance can protect items inside your home, such as furniture, electronics, and personal belongings, from risks like theft or fire. It should be considered by renters who want to ensure their valuables are covered even if they don’t own the building.
- Building insurance for your home covers the physical structure of your home, including the walls, roof, and fixtures, in case of loss or damage following events such as storms, floods, or fire.
- Home and contents insurance, when combined, provides coverage for both your home and belongings under one policy. This is ideal for those seeking extensive protection.
Compare our household insurance features, optional extras, and discounts below and find the policy that suits your needs. For full details of what’s included in our household insurance policies, see our Product Disclosure Statement (PDS), any applicable Supplementary PDS, Key Facts Sheet and Target Market Determinations.
| Home and contents Insurance | Home building insurance | Contents insurance |
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| What's coveredhide | |||
|---|---|---|---|
| Insured events |  |
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| $20 million legal liability cover | |
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| Assistance with clean-up costs | |
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| Cover for broken glass | |
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| Food spoilage | |
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| Temporary accommodation | |
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| Cover for damage caused by emergency services | |
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| Demolition and removal of debris | |
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| Home modification after serious injury | |
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| Redesign costs | |
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| Lost rent | |
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| Locks | |
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(not included for renters) |
| Gifts | |
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| Investigating leaks | |
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| Extra living expenses | |
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| Cost towards security firm response | |
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| Counselling services | |
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| Cover for loss or damage to your contents in transit | |
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| Cover for loss or damage to contents in safety deposit boxes | |
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| Credit card misuse | |
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| Replace documents | |
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| Cover for temporary removal of contents | |
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| Funeral expenses | |
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| Visitor's contents - loss or damage during an insured event | |
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| Replacing trees, shrubs, plants and hedges | |
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| Redundancy premium waiver | |
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| Optional benefitshide | |||
|---|---|---|---|
| Advanced cover (accidental damage and motor burnout) | |
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| Motor burnout only | |
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| Mobile phones | |
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| Pet cover Learn more about pet cover |
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| Specified items | |
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| Items away from the home | |
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| Small business contents | |
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| Increased landlord fixtures and fittings | |
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| Other benefitshide | |||
|---|---|---|---|
| Pay by the month | |
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| Choose from a range of basic excess options | |
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| Lifetime guarantee on authorised repairs | |
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| New for old contents | |
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| Get your quote | Get your quote | Get your quote | |
RACQ Insurance
While you're here
Things to note
Insurance Products (excluding Travel Insurance) are issued by RACQ Insurance Limited ABN 50 009 704 152 (RACQI) and arranged by its agent, RACQ Distribution Services Pty Ltd (RDS) ABN 35 116 361 650, AFSL 567130 and RDS' authorised representatives (including RACQ Operations Pty Ltd ABN 80 009 663 414, AR No. 234978 (RACQO). Conditions, limits and exclusions apply. RDS and RACQO are in the RACQ group of companies. One of the companies in the RACQ group of companies has a minority shareholding in RACQI.
RDS and RACQO have not taken your personal objectives, circumstances or needs into account when preparing advice regarding insurance products and you will need to consider whether the advice is appropriate for you. 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. RDS receives a commission from RACQI for the policies it arranges. RACQO receives fees paid for services it provides to RDS. Further details about remuneration are available on request prior to purchasing.
RACQ Insurance may need to collect personal information from you to support you with your inquiry, assess your eligibility for any of our products or services, or to provide general support. By providing your details, you agree to RACQ Insurance collecting, holding, using, and disclosing your personal information pursuant to our Privacy Statement and Insurance Privacy Collection Notice, available from racq.com or you can request a copy.
~~ 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.