Protect your most valuable asset with RACQ Home Insurance

With RACQ Home Insurance, we'll look after you when Queensland's weather takes a turn for the worse.

  • Be covered for damage or loss from storm, flood, hail, fire and theft
  • Get up to 12 months' accommodation if your home is unfit to live in while repairs are being done~
  • Solar panels are covered as standard in our home and contents insurance

Get your quote

Save $25 when you buy this policy 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.

  • umbrella
    Loss or damage due to a flood, storm, hail, fire, theft, and more
  • shaking-hands
    Up to $20 million in legal liability if an accident occurs at your insured address
  • house-with-tree-beside
    Temporary accommodation if your home is unlivable after an insured event
  • wrench-and-screw-driver-tool
    Lifetime repair guarantee on repairs completed by RACQ's network of suppliers
  • Blue tick
    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.
  • Blue tick
    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.
  • Blue tick
    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.
  • Blue tick
    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.
  • Blue tick
    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.

  • stacked-paper-money-tied
    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.
  • house-home
    Increased landlord fixtures and fittings
    If you're a landlord and your house is rented out to tenants, you can increase your cover for floor coverings, shower screens, window coverings and other fixtures and fittings. This amount is settled in addition to the limit listed under the included benefit 'Landlord fixtures and fittings'.
  • heart-rate
    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.

Why choose RACQ for your home insurance?

Including cover for solar panels as standard is just one of the ways we’re helping Queenslanders go green. Discover other ways we can help you live more sustainably. 

  • callcentre-person
    Our Queensland-based team are here when you need us – click, call or visit us in store.
  • family-in-front-house
    Get 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 in our home and contents insurance.
  • person-next-to-racq-logo
    You become a member when you take out RACQ Home and Contents Insurance.
  • hands-with-heart
    As a mutual organisation, we serve our members and their communities, not shareholders.

Save with RACQ Home Insurance

  • laptop
    $25 online discount
    Take $25 off the price when you buy your home insurance online.*
  • 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 policy discount
    Save up to 13% when you cover your home and contents in one policy.^^

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. 

Enjoy RACQ member perks~~

Treat yourself to a little entertainment
Save on eVouchers and eGift Cards for Event Cinemas and BCC Cinemas Queensland-wide.
Free up your transport budget
Take 4 cents per litre off when you fill up at participating Caltex service stations.#
RACV Resorts
Save with discounted accommodation at RACV Resorts in Noosa, Hobart and on the Gold Coast.
Earn cashback rewards when you shop
Shop online with more than 200 fashion, beauty, pet, and home retailers and earn cashback rewards.

Home 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.

*The online discount will be applied and deducted on the total annual premium amount payable on your new policy. Excludes pay later option and any policy renewals. Discount amounts may be pro-rated for cover of less than 12 months.

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