Protect your belongings with RACQ Contents Insurance

We’re a different kind of insurer. RACQ is member-owned and when you take out contents insurance with us, you become a member. We look after our members, offering new for old contents replacement and cover for flood, storm, hail, fire, theft and more. So, if things go wrong, you know we'll be by your side. Choose RACQ Contents Insurance and see the difference membership makes. 

Get your quote

Save $25 when you buy this policy online *

What does my RACQ Contents Insurance cover?

This is a summary only. To learn more about how RACQ can protect your belongings, read our Product Disclosure Statement (PDS), any applicable Supplementary PDS, Key Facts Sheet and Target Market Determinations.

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    Loss or damage due to flood, storm, hail, fire, theft, and more
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    Up to $20 million in legal liability if someone makes a claim against you
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    New for old replacement of your home contents
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    Lifetime repair guarantee on RACQ authorised repairs due to faulty workmanship
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    Food spoilage
    We pay up to $1,000 for spoiled frozen and refrigerated food and medicines at your home if caused by an insured event, refrigerant fumes escaping, fridge or freezer breakdown or a public electricity failure.
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    Clean-up costs
    We pay up to 10% of the contents sum insured for the cost of cleaning up the mess or damage caused by a thief, vandal or forensic police investigation.
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    Contents in storage
    We can cover you for contents up to your contents sum insured that you store away from your home for up to 60 consecutive days, if you let us know in advance.
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    Extra living expenses
    On top of your contents sum insured, we will pay an additional amount up to 10% of the contents sum insured for extra living expenses while your damaged home is being rebuilt or repaired.
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    Visitors’ contents
    If we pay your claim for an insured event, we also pay up to $500 towards the cost of replacing any visitors’ lost or damaged contents.

RACQ Contents Insurance optional benefits

This is a summary only. For more information on other optional benefits that might suit you, check out our Product Disclosure Statement (PDS), any applicable Supplementary PDS, Key Facts Sheet and Target Market Determinations.

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    Advanced cover
    Get cover for accidental damage to things like your television or works of art, and cover for motor burnout on things like your fridge.
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    Motor burnout
    Get cover for loss or damage to domestic electrical items up to 10 years old (e.g. your fridge, dishwasher or air-conditioning).

Home and contents insurance calculators

Take the guesswork out of your quote and get a proper idea of the cover you need with our home and contents insurance calculators. It only takes a couple of minutes.

Contents insurance calculator
Taking stock of your most precious items can help you feel comfortable with your level of cover. Why guess when you can calculate?
Home insurance calculator
If you’re wondering whether it would cost more to rebuild your home than you’re actually insured for, quickly estimate your rebuild cost.

Why choose RACQ for your contents insurance?

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    You can customise your contents insurance with optional extras and monthly payments.
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    Our Queensland-based team are here when you need us – click, call or visit us in store.
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    You become a member when you take out RACQ Home and Contents Insurance.
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    As a mutual organisation, we serve our members and their communities, not shareholders.

Ways you can save with RACQ Contents Insurance

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    $25 online discount
    Purchase your contents insurance online and score a $25 discount.*
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    Multi policy discount
    Get up to 5% off each eligible insurance policy when you hold three or more qualifying RACQ policies.
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    Combined discount
    Save up to 13% when you bundle your home and contents insurance for your owner-occupied property.^^

Award-winning insurance

RACQ are the proud winner of the 2023 Canstar Most Satisfied Customers – Qld award, plus 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. 

Have fun with RACQ member benefits~~

Treat yourself to a little entertainment
Get discounted tickets to movies, events, and games year-round.
Free up your transport budget
Take 4 cents per litre off when you fill up at Caltex and Puma Energy service stations.#
RACV Resorts
Save with discounted accommodation at RACV Resorts in the Gold Coast, Noosa and Hobart.
Be part of positive changes in your community
Know that RACQ funds life-saving rescue flights.

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 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.

~~ 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 apply. Offer available at participating Caltex and Puma Energy service stations. Visit for details.

*Excludes pay later option. Discount amounts may be pro-rated for cover of less than 12 months.

^^Home and contents must be at the same address