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). 
  • Blue tick
    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. 
  • Blue tick
    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.
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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.

Learn how to discount your premiums

  • laptop
    $25 online discount
    Buy your contents insurance online and unlock a $25 discount.*
  • 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 2025 Canstar Most Satisfied Customers: Home Insurance QLD, 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~~

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Drive further for less with 4 cents off per litre on fuel at participating Caltex service stations#.

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Get 10% off paints, stains and accessories at Wattyl Paint Centres.

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Movie night just got better- Save up to 40% on eVouchers for Event Cinemas and BCC Cinemas.

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Dig into delicious discounts at more than 300 food and dining locations across Queensland.

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 (RACQI) and arranged by RACQ Distribution Services Pty Ltd (RDS) ABN 35 116 361 650, AFSL 567130 and RDS' authorised representatives (including RACQ Operations Pty Ltd ABN 80 009 663 414, AR No. 234978 (RACQO)). Conditions, limits and exclusions apply.

Any advice provided by RDS and RACQO is general advice only and does not take into account your personal objectives, financial situation or needs and you will need to consider whether the advice is appropriate for you. Read the Product Disclosure Statement (PDS) before making a purchase decision on the product. You can also access our Target Market Determinations on this website.

RDS receives a commission from RACQI for the policies it arranges. RACQO receives fees paid for services it provides to RDS. Further details about remuneration are available on request prior to purchasing.

RACQ Group and RACQ Insurance may need to collect personal information from you to support you with your inquiry, assess your eligibility for any of our products or services, or to provide general support. By providing your details, you agree to RACQ Group and RACQ Insurance collecting, holding, using, and disclosing your personal information pursuant to the RACQ Group Privacy Statement and RACQ Insurance Privacy Collection Notice, available from racq.com or you can request a copy.

*The online discount applies to the total annual premium of new policies only. It excludes pay later options and policy renewals. To obtain the discount you need to get a quote online and purchase the policy online. Any applicable discounts may be subject to minimum premiums and will only apply once a minimum premium is reached. When we determine your premium on renewal, we may also limit any increases or decreases in your premium by considering factors such as your previous year’s premium amount. The online discount for pet insurance is limited to a maximum of 4 pets/$200 discount.

~~ 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 service stations. Visit racq.com/caltex for details.