Compare our home insurance options and choose the cover that's right for you

With RACQ Home Insurance you also become an RACQ member and gain access to a wide range of membership benefits. 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.

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Home and contents Insurance Home insurance Contents insurance
What's coveredhide
Insured events Tick icon Tick icon Tick icon
$20 million legal liability cover Tick icon Tick icon Tick icon
Assistance with clean-up costs Tick icon Tick icon Tick icon
Cover for broken glass Tick icon Tick icon Tick icon
Food spoilage Tick icon Tick icon Tick icon
Temporary accommodation Tick icon Tick icon Tick icon
Cover for damage caused by emergency services Tick icon Tick icon Tick icon
Demolition and removal of debris Tick icon Tick icon Tick icon
Home modification after serious injury Tick icon Tick icon Tick icon
Redesign costs Tick icon Tick icon Tick icon
Lost rent Tick icon Tick icon Tick icon
Matching repairs Tick icon Tick icon Tick icon
Locks Tick icon Tick icon Tick icon
(not included for renters)
Gifts Tick icon Tick icon Tick icon
Investigating leaks Tick icon Tick icon Tick icon
Extra living expenses Tick icon Tick icon Tick icon
Cost towards security firm response Tick icon Tick icon Tick icon
Counselling services Tick icon Tick icon Tick icon
Cover for loss or damage to your contents in transit Tick icon Tick icon Tick icon
Cover for loss or damage to contents in safety deposit boxes Tick icon Tick icon Tick icon
Credit card misuse Tick icon Tick icon Tick icon
Replace documents Tick icon Tick icon Tick icon
Cover for temporary removal of contents Tick icon Tick icon Tick icon
Funeral expenses Tick icon Tick icon Tick icon
Visitor's contents - loss or damage during an insured event Tick icon Tick icon Tick icon
Replacing trees, shrubs, plants and hedges Tick icon Tick icon Tick icon
Redundancy premium waiver Tick icon Tick icon Tick icon
Optional benefitshide
Advanced cover (accidental damage and motor burnout) Tick icon Tick icon Tick icon
Motor burnout only Tick icon Tick icon Tick icon
Mobile phones Tick icon Tick icon Tick icon
Pet cover
Learn more about pet cover
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Specified items Tick icon Tick icon Tick icon
Items away from the home Tick icon Tick icon Tick icon
Small business contents Tick icon Tick icon Tick icon
Landlord fixtures and fittings Tick icon Tick icon Tick icon
Other benefitshide
Pay by the month Tick icon Tick icon Tick icon
Choose from a range of basic excess options Tick icon Tick icon Tick icon
Lifetime guarantee on authorised repairs Tick icon Tick icon Tick icon
New for old contents Tick icon Tick icon
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While you're here

Trades man arriving at house
Home Rescue
Get up to 4 callouts per year for a range of Home Emergencies and a trusted tradie will arrive within 4 hours.^
Young family sitting on the front steps of their home.
Home Quick Fix
Get access to a trusted tradie 24/7, 365 days a year.
Couple retail shopping
Lifestyle discounts~~
RACQ members have access to a range of discounts at retailers including Snooze, Amart Furniture and Andersons.

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 before making a purchase decision on this product. You can also access our Target Market Determinations on this website.

~~ 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. A 72 hour wait period applies to all new RACQ Home Rescue policies. 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.