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Insured with RACQ? We’ve got you protected against severe weather this storm season.

Flood, hail and storm are considered insured events under RACQ Comprehensive Car Insurance, and Home and/or Contents Insurance policies.##

If you have submitted a claim, we will be in touch as soon as possible. See what to do after a storm.

Know you're covered with RACQ Home and Contents Insurance

Queenslanders know every year, our weather becomes more unpredictable. As Queenslanders ourselves, RACQ understands these challenges.

RACQ Home and Contents Insurance is designed to protect the things - big and small - that make your house a home. We provide cover come flood, storm, hail, fire or theft,  so know you're covered with RACQ.

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Save $75 when you buy this policy online*

What does my RACQ Home and Contents Insurance cover?

This is a summary only. To get up to speed on all the details, read our Product Disclosure Statement (PDS), any applicable Supplementary PDS, Key Facts Sheet and Target Market Determinations.

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    Loss or damage in a flood, storm, hail, theft, accident, vandalism, or fire event
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    Up to $20 million in legal liability if an accident occurs at your insured address
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    New for old replacement on your home contents
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    Lifetime repair guarantee on repairs completed by RACQ's network of suppliers
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    Temporary accommodation
    If your home is unlivable after an insured event, we pay for emergency accommodation for up to 14 days, and ongoing accommodation costs for up to 12 months if your home needs to be rebuilt or repaired. 
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    Clean-up costs
    We pay the cost of cleaning up the mess or damage caused by a thief, vandal, or forensic police investigation.
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    We pay up to $1,000 per claim to re-key, recode or replace locks on external doors at your home if keys are stolen and theft is reported to police. This benefit has no excess.
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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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    Demolition and removal of debris
    On top of the home sum insured, we will pay an additional amount up to 20% of the home sum insured to demolish your home and remove any debris.

RACQ Home and Contents Insurance optional benefits

This is a summary of the optional benefits available with this policy. Find out more about the optional benefits you can add to your policy in 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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    Pet cover
    Get up to $750 cover for up to two pets (dogs or cats only), for veterinary costs associated with accidental injury, disease or illness. Elective, routine, and preventative care are not covered. If you're interested in more comprehensive cover, read more about RACQ’s Pet Insurance here.
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    Mobile phone cover
    Get cover for your mobile phone if it is accidentally lost or damaged anywhere in Australia or New Zealand up to the insured amount you nominate less a $200 excess.

Home and contents insurance calculators

Estimate the replacement value of your home and contents in a few minutes.

Home insurance calculator
Find out if you have adequate cover for rebuilding your home according to current building regulations.
Contents insurance calculator
Are you comfortable with the amount your contents are insured for? Work out the value of your belongings.

Save with RACQ Home and Contents Insurance

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    $75 online discount
    Buy your home and contents insurance online and get a $75 discount.*
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    Roadside assistance loyalty discount
    Members with RACQ Roadside Assistance can get up to 17.5% off their home and contents insurance (savings based on membership level).
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    Combined discount
    Save up to 13% when you combine your home and contents for the same owner-occupied property.^^
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    Household excellence bonus
    Unlock a discount if you have held household insurance for 5 years or more, with any insurer, without making a claim.

Why choose RACQ for your home and contents insurance?

We’re going green
RACQ is making sustainable living easier and more affordable. Learn more about how we can help you go green today. 

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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
    Change of heart? No worries.
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    Flexible payment options
    Ask us about monthly payments.
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    Tailor your policy
    Choose optional benefits to cover your needs.
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    Premium discounts available
    Find out if you’re eligible to save.

Award-winning house and contents insurance

The people have spoken! RACQ Home Insurance is a back-to-back winner of Mozo’s People’s Choice Awards for Highly Trusted. In 2021, our home insurance team was also recognised for Excellent Customer Service and Outstanding Customer Satisfaction.

2021 mozo awards

Explore RACQ member benefits~~

Access online discounts
Save on eGift cards, movie tickets and more!
Pay less at the pump
Save 4 cents per litre off at Puma Energy service stations.#
Experience better holidays
Enjoy activity, attraction, and accommodation discounts.
Support your community
Help the RACQ Air Rescue Network save lives.

Home and contents insurance FAQs

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.

##Exclusions apply. Please read the Product Disclosure Statement (PDS), any applicable Supplementary PDS and Key Facts Sheet for full details.

~~ 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 for details.

* Excludes pay later option.

^^ Home and contents must be at the same address.