Protect your belongings with RACQ Contents Insurance

Cover your furnishings, electronics, artwork and more with RACQ Contents Insurance.

  • Get cover for accidental damage to things like your television, artwork, or food loss caused by motor damage to your fridge
  • Enjoy new for old contents replacement
  • Get up to 5% off each eligible insurance policy when you hold three or more qualifying RACQ policies

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 per claim for spoiled frozen and refrigerated food and medicines at your home if caused by an insured event, refrigerant fumes escaping, fridge or freezer break down or a public electricity failure. No excess is payable.
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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.
  • heart-rate
    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 use our home and contents insurance calculators to quickly estimate the coverage you need. Whether you want to protect your home by itself, or combine the protection together as home and contents insurance, it only takes a few minutes to estimate the cover you need.

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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?
Calculate
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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.
Calculate

Why choose RACQ for your contents insurance?

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    You can customise your contents insurance with optional extras and monthly payments.
  • callcentre-person
    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.

Ways you can save with RACQ Contents Insurance

  • laptop
    $25 online discount
    Purchase your contents insurance online and score a $25 discount.*
  • house-with-drawer-and-lamp-inside
    Multi policy discount

    Save up to 5% off each eligible insurance policy when a policyholder has 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 2025 Canstar Most Satisfied Customers: Home Insurance QLD, 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~~

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Movie night just got better- Save up to 40% on eVouchers for Event Cinemas and BCC Cinemas.

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Drive further for less with 4 cents off per litre on fuel at participating Caltex service stations#.

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Relax and save on stays at RACV Resorts in Queensland, Victoria, and Tasmania.

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Dig into delicious discounts at more than 300 food and dining locations across Queensland.

Manage your contents insurance

tap-and-go-cardsRenew your insurance
explosion-house-iconMake a claim
information-documentUpdate your personal details
document-with-pen-pencilUpdate your policy

Contact us

Need help or would like to know more? RACQ offers many convenient ways for you to get in touch with us.

Tips and guides

Contents insurance FAQs

Help centre

Things to note

Insurance Products (excluding Travel Insurance) are issued by RACQ Insurance Limited ABN 50 009 704 152 (RACQI) and arranged by 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.

Any advice provided by RDS and RACQO is general advice only and does not take into account your personal objectives, financial situation or needs and you will need to consider whether the advice is appropriate for you. Read the Product Disclosure Statement (PDS) before making a purchase decision on the 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 Group and 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 Group and RACQ Insurance collecting, holding, using, and disclosing your personal information pursuant to the RACQ Group Privacy Statement and RACQ 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.

#Conditions apply. Offer available at participating Caltex service stations. Visit racq.com/caltex for details.

*The online discount applies to the total annual premium of new policies only. It excludes pay later options and policy renewals. To obtain the discount you need to get a quote online and purchase the policy online. Any applicable discounts may be subject to minimum premiums and will only apply once a minimum premium is reached. When we determine your premium on renewal, we may also limit any increases or decreases in your premium by considering factors such as your previous year’s premium amount. The online discount for pet insurance is limited to a maximum of 4 pets/$200 discount.

^^Home and contents must be at the same address