RACQ Contents Insurance protects the things that make your house feel like home

Your home is full of little things that spark joy – from housewarming gifts, to jewellery you have collected through life, to your favourite piece of furniture and household electronics. You can cover the belongings you care about from the events you don't expect. There's no reason for a leak, storm, theft or hail to ruin your day – with an RACQ Contents Insurance policy, you know you're covered.

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Save $25 when you buy 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.

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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    Roadside assistance loyalty discount
    Members with RACQ Roadside Assistance can save up to 17.5% on their contents insurance (savings based on membership level).
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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.^^

Why choose RACQ for your contents insurance?

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    Queensland customer service team
    Get in touch with a local whenever you need us.
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    21-day cooling-off period
    Having second thoughts? That’s OK.
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    Flexible premium options
    See if monthly payments work better for you.
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    Customise your policy
    Choose optional benefits to cover your belongings.
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    Unlock premium discounts
    Ask how we can help you save even more.

Award-winning customer service

When it comes to helping Queenslanders with home insurance, RACQ has a great reputation. We’re a back-to-back winner of Mozo’s People’s Choice Awards for Highly Trusted and, in 2021, our home insurance team was recognised for Outstanding Customer Satisfaction and Excellent Customer Service.

2021 mozo awards

Have fun with RACQ member benefits~~

Get everyday discounts
Unlock reduced prices for parking, petrol, movies and more.
Say goodbye to full-price fuel
Access our 4 cents per litre discount at Puma Energy service stations.#
Furnish your home for less
Explore discounts from Australia’s leading retailers.
Help Queenslanders in trouble
Know you’re backing the RACQ Air Rescue Network.

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.  

~~ 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 Puma Energy petrol stations. Visit racq.com/puma for details.

*Excludes pay later option.

^^Home and contents must be at the same address