Be prepared with RACQ Home and Contents Insurance

We’re a different kind of insurer. We’re owned by our members, so you know if things go wrong, we'll be by your side. We’ve got you covered come flood, storm, hail and fire, and we provide new for old replacement of your contents. RACQ Home and Contents Insurance protects the things that make your house a home, big or small. That’s how membership makes all the difference. 

Get your quote

Save $50 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 will pay for temporary accommodation for up to 14 days and ongoing accommodation costs for up to 12 months if your home is unfit to live in, for a total amount up to 10% of your home sum insured.
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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 $1000 per claim to re-key, recode or replace locks on external doors at your home if keys are stolen from your home and the theft is reported to police. This benefit has no excess but other excesses may apply.
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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.

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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    Home insurance includes up to 12 months’ accommodation if your home is unfit to live in while repairs are being done.~
  • Home Solar
    Solar panels are covered as standard by our home insurance.
  • person-next-to-racq-logo
    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.

Save with RACQ Home and Contents Insurance

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    $50 online discount
    Buy your home and contents insurance online and get a $50 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 without making a claim.

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. 

Explore 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.#
Save on the essentials every week
Enjoy up to a 4% discount on Woolworths eGift cards.
Be part of positive changes in your community
Know that RACQ funds life-saving rescue flights.

Home and contents insurance FAQs

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.

~Up to 10% of the sum insured, short term accommodation costs for up to 14 days and ongoing accommodation costs for up to 12 months.

~~ 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.