RACQ Contents Insurance for renters
Even when you don’t own your home, you still own things that are precious to you. Whether it’s your engagement ring, your laptop, or that shiny new bicycle you’ve been meaning to ride, contents insurance for renters can provide a safety net for your belongings. If a flood, storm, hail, fire, theft or more threatens the things you care about, know you’re covered with RACQ.
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
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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 someone makes a claim against you -
New for old replacement on your home contents -
Lifetime repair guarantee – we pay the cost to fix any faulty workmanship on repairs authorised by us
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Extra living expensesWhile 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). -
Contents in storageWe 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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Visitor’s contentsIf we pay your claim for an insured event, we also pay up to $500 towards the cost of replacing any visitors’ contents.
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Clean-up costsWe 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.
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Food spoilageWe pay up to $1,000 for spoiled frozen and refrigerated food and medicines if caused by an insured event, refrigerant fumes escaping, fridge or freezer break down or a public electricity failure. An excess does not have to be paid if you are making a claim for ‘Food spoilage’.
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
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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. -
Items away from homeWe 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. -
Mobile phone coverWe cover your mobile phone if it is accidentally lost or damaged anywhere in Australia or New Zealand up to the insured amount you nominate.
Learn how to discount your premiums
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$25 online discountBuy your contents insurance online and unlock a $25 discount.* -
Household excellence bonusGet a discount if you've had household insurance for 5+ years without claiming. -
Roadside assistance loyalty discountMembers with RACQ Roadside Assistance can save up to 17.5% on contents insurance (savings based on membership level). -
Multi policy discountGet up to 5% off each eligible insurance policy when you hold three or more qualifying RACQ policies.
Why choose RACQ?
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Homegrown customer serviceChat to a Queensland agent 24 hours a day.
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21-day cooling off periodThings change, we get it.
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Flexible monthly payments
Ask us how to spread your premiums out.
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Tailor your policy to fit your lifeChoose optional covers for your budget and needs.
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Save on your insuranceLearn how to discount your premiums.
Award-winning customer service
At RACQ, we’re known for our fantastic phone calls (and we’re pretty good in-person too). Just ask Mozo: RACQ is a back-to-back winner of the People's Choice Awards for Highly Trusted, and our team’s Outstanding Customer Satisfaction and Excellent Customer Service have also been recognised.
Unlock RACQ member perks~~
Contact us
Need help or would like to know more? RACQ offers many convenient ways for you to get in touch with us.
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.
*Excludes pay later option.
~~ 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.