Protect your most valuable asset with RACQ Home Insurance
RACQ is a different kind of insurer. When you take out RACQ Home Insurance, you become a member. We’re owned by our members, which means we’ll look after you when Queensland’s weather takes a turn for the worse. Our home insurance covers flood, storm, hail, fire and more. Plus, we’ll cover up to 12 months’ accommodation if your home is unfit to live in while repairs are being done.~ That’s how membership makes all the difference.
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.
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Loss or damage due to a flood, storm, hail, fire, theft, and more -
Up to $20 million in legal liability if an accident occurs at your insured address -
Temporary accommodation if your home is unlivable after an insured event -
Lifetime repair guarantee on repairs completed by RACQ's network of suppliers
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Investigating leaksIf 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. -
Clean-up costsWe 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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LocksWe 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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Home modifications after serious injuryWe 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 debrisOn 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 coverGet 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. -
Increased landlord fixtures and fittingsIf 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'. -
Motor burnoutGet 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.
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.
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Our Queensland-based team are here when you need us – click, call or visit us in store. -
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. -
You become a member when you take out RACQ Home and Contents Insurance. -
As a mutual organisation, we serve our members and their communities, not shareholders.
Save with RACQ Home Insurance
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$25 online discountTake $25 off the price when you buy your home insurance online.* -
Multi policy discountSave up to 5% off each eligible insurance policy when a policyholder has three or more qualifying RACQ policies. -
Combined policy discountSave 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~~
Manage my contents insurance
Home insurance FAQs
Contact us
Need help or would like to know more? RACQ offers many convenient ways for you to get in touch with us.
Tips and guides
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 racq.com/caltex 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.