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.

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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  
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    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
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    Lifetime repair guarantee – we pay the cost to fix any faulty workmanship on repairs authorised by us
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    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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    Visitor’s contents
    If 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 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. 
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    Food spoilage
    We 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 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.
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    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.
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    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.

Learn how to discount your premiums

  • laptop
    $25 online discount
    Buy your contents insurance online and unlock a $25 discount.*
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    Household excellence bonus
    Get a discount if you've had household insurance for 5+ years without claiming.
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    Roadside assistance loyalty discount
    Members with RACQ Roadside Assistance can save up to 17.5% on contents insurance (savings based on membership level).
  • house-with-drawer-and-lamp-inside
    Multi policy discount
    Get up to 5% off each eligible insurance policy when you hold three or more qualifying RACQ policies.

Why choose RACQ?

  • callcentre-person
    Homegrown customer service

    Chat to a Queensland agent  24 hours a day.

  • calendar-with-squares
    21-day cooling off period

    Things change, we get it.

  • stacked-paper-money-tied
    Flexible monthly payments

    Ask us how to spread your premiums out.

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    Tailor your policy to fit your life

    Choose optional covers for your budget and needs.

  • percentage-symbol
    Save on your insurance
    Learn 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. 

2021 mozo awards

Unlock RACQ member perks~~

Pay less for the essentials
Access discounted petrol, parking, and tickets!
Aussie retailer discounts
Furnish your place with items that spark joy.
Save on your next getaway
Get discounted accommodation, adventures, and airport parking.
Support your local community
Back the RACQ Foundation’s on-the-ground helpers.

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.