Choose RACQ Contents Insurance for renters

Insure your furniture, electronics and personal belongings while you rent.

  • Enjoy new for old contents replacement
  • Cover for glass breakage in the property you're renting if you're at fault, up to the value of your contents sum insured
  • Choose optional extras like cover for items when they're away from your rented property

Get your quote

Save $25 when you buy this policy online *

What does my RACQ Contents Insurance for renters cover?

This is a summary only. For full details of what’s included in our contents insurance policy, 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 someone makes a claim against you
  • drawer-and-lamp
    New for old replacement on your home contents
  • wrench-and-screw-driver-tool
    Lifetime repair guarantee – we pay the cost to fix any faulty workmanship on repairs authorised by us
  • Blue tick
    Extra living expenses
    While your damaged home is being rebuilt or repaired, we pay up to 10% of your contents sum insured for extra living expenses (e.g., fees to connect electricity, phones and gas, or temporary fencing for your pet). 
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    Contents in storage
    We can cover you for contents that you store away from your home for up to 60 consecutive days, if you tell us. 
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    Broken glass (tenant and strata owner)
    If you're a tenant and you are legally responsible for accidental breakage of glass, we can cover you for that cost as part of your Contents cover up to your contents sum insured.
  • Blue tick
    Clean-up costs
    We pay up to 10% of the contents sum insured to help clean up mess or damage caused by a thief, vandal or forensic police investigation. 
  • Blue tick
    Temporary accommodation (tenant and strata owner)
    If your home is unlivable after an insured event, we will pay for temporary accommodation for up to 14 days and reasonable ongoing accommodation costs for up to 12 months, for a total amount up to 10% of your contents sum insured.

RACQ Contents Insurance for renters optional benefits

This is a summary only. To learn about other optional benefits that might suit you, read 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.
  • house-home
    Items away from home
    We can cover items that may leave your rented property (in Australia and New Zealand) for loss or damage up to the insured amount you nominate.
  • smartphone-with-apps
    Mobile phone cover
    We cover your mobile phone if it is accidentally lost or damaged anywhere in Australia or New Zealand up to the insured amount you nominate.
Contents insurance calculator
Spend a few minutes running the numbers now to understand the cost to replace your belongings.

Why choose RACQ?

  • document-with-pen-pencil
    You can customise your contents insurance with optional extras and monthly payments.
  • callcentre-person
    Our Queensland-based team are here when you need us – click, call or visit us in store.
  • 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.

Learn how to discount your premiums

  • laptop
    $25 online discount
    Buy your contents insurance online and unlock a $25 discount.*
  • star-circle
    Household excellence bonus
    Get a discount if you've had household insurance for 5+ years without claiming.
  • 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.

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. 

Unlock RACQ member perks~~

Free up your transport budget
Take 4 cents per litre off when you fill up at participating Caltex service stations.#
In need of a fresh coat of paint?
Enjoy a 10% discount at Wattyl Paint Centres.
Treat yourself to a little entertainment
Save on eVouchers and eGift Cards for Event Cinemas and BCC Cinemas Queensland-wide.
Be part of positive changes in your community
Know that RACQ funds life-saving rescue flights.

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.  

*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.

~~ 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.