Protect your most valuable asset with RACQ Home Insurance

RACQ Home Insurance is designed with local Queensland conditions in mind, so you can feel confident knowing your building is covered for floods, storms, hail, fire, theft and more. You can’t predict the future, but you can protect the present.

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Save $50 when you buy online

What does my RACQ Home Insurance cover?

This is a summary only. To learn the ins and outs of your cover, 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 a flood, storm, hail, fire, theft, and more
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    Up to $20 million in legal liability if an accident occurs at your insured address
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    Temporary accommodation if your home is unlivable after an insured event
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    Lifetime repair guarantee on repairs completed by RACQ's network of suppliers
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    Investigating leaks
    If a leak has caused loss or damage to your home, we pay up to 10% of the home sum insured for the costs to locate the source of the leak.
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    Clean-up costs
    We pay up to 10% of the home 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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    We pay up to $1000 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. An excess does not have to be paid if you are making a claim for locks.
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    Home modifications after serious injury
    We will pay up to $25,000 for modifications required to your home if you, or any family who permanently lives with you at the insured address, are diagnosed with quadriplegia or paraplegia after an insured event.
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    Demolition and removal of debris
    On top of the home sum insured, we will pay up to 20% of the home sum insured to demolish your home and remove any debris that is caused by an insured event.

RACQ Home Insurance optional benefits

This is a summary only. Discover more optional benefits that might suit your needs 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. Available for owner-occupied properties only.
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    Landlord fixtures and fittings
    If you’re a landlord and your house is rented out, increase your cover for floor coverings, shower screens, window coverings and other fixtures and fittings.
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    Motor burnout
    Get cover for loss or damage to domestic electrical items up to 10 years old (e.g. garage doors, air-conditioning unit).

Home insurance calculators

Use our calculators to put a figure on what’s most precious to you.

Home insurance calculator
Know you’re covered for the cost of rebuilding your home, not just its market value.
Contents insurance calculator
Work out the value of all the little things that make your house a home.

Save with RACQ Home Insurance

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    $50 online discount
    Take $50 off the price when you buy your home insurance online.*
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    Roadside assistance loyalty discount
    Members with RACQ Roadside Assistance can save up to 17.5% on their home insurance (savings based on membership level).
  • house-with-drawer-and-lamp-inside
    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 policy discount
    Save up to 13% when you cover your home and contents in one policy.^^ Available for owner-occupied properties only.

Why choose RACQ for your home insurance?

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    Local customer service
    Expect a friendly voice to greet you.
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    21-day cooling-off period
    Rethinking your decision? No problem.
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    Pay by the month option
    Break your bill into smaller payments.
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    Coverage upgrade options
    Protect your extra bits and pieces.
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    Premium discounts
    Ask how to save on your home insurance.

Award-winning home cover

The votes are in! RACQ Home Insurance has back-to-back awards for the Highly Trusted category of Mozo’s People’s Choice Awards. RACQ Home Insurance has also been acknowledged for Excellent Customer Service and Outstanding Customer Satisfaction in 2020.

Mozo awards

Enjoy RACQ member perks~~

Get discounted tickets
Save on movies, theme parks and events.
Goodbye full-price fuel
Access our 4 cents per litre discount at Puma Energy service stations.#
Renovate for less
Check out great offers from Australia’s leading retailers.
Give back to Queenslanders
Support the RACQ Foundation’s community grant program.

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 for details.

* Excludes pay later option.

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