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Check out our many options to protect your home  

Customise your RACQ Home Insurance policy to protect the things that matter most, and open the door to a lifetime guarantee on repairs, a trusted 24/7 claims service, and the option to pay by the month.

Besides protecting your big and small items, you’ll also be a member of Queensland’s largest club and access a range of savings you can count on. Compare our cover, save up to $75 if buying online, and reduce the cost now with our insurance discounts.

Family in front yard

Combined Home and Contents Insurance

  • Cover against fire, theft, flood, storm, cyclone and leaks
  • New-for-old contents replacement
  • Your choice of a flexible excess
  • Up to 13% off for owner-occupiers

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Couple painting their front fence

Home Insurance

  • Building cover against fire, theft, flood, storm, cyclone and leaks
  • Up to 12 months temporary accommodation
  • Replacement of locks, trees and plants
  • Up to 15% off for Seniors Card holders

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Dad on laptop on the deck while Mum and daughter play in the background

Contents Insurance

  • Contents cover against fire, theft, flood, storm, cyclone and leaks
  • New-for-old contents replacement
  • Accidental broken glass cover
  • Up to 20% discount for duplex and townhouse insured

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Smiling couple on couch with laptop

Contents Insurance for Renters

  • Contents cover against fire, theft, flood, storm, cyclone and leaks
  • New-for-old contents replacement
  • Accidental broken glass cover
  • Up to 20% discount for duplex and townhouse insured

Get a quote Read more

Home iconHome Rebuild Calculator

Not sure how much to insure your home’s building for? Use our quick building calculator to help.

Calculate rebuild cost

Home iconHome Contents Calculator

Work out the value of your personal items at home with our quick contents calculator.

Calculate contents cost

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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 applicable Supplementary PDS before making a purchase decision on this product.

Loans are issued by Members Banking Group Limited ABN 83 087 651 054 AFSL and Australian Credit Licence 241195 trading as RACQ Bank. This information does not take your personal objectives, circumstances or needs into account. Read the disclosure documents for your selected product or service, including the Terms and Conditions, before deciding.

Except for RACQ Bank, any RACQ entity referred to on this page is not an authorised deposit-taking institution for the purposes of the Banking Act 1959 (Cth). That entity’s obligations do not represent deposits or other liabilities of RACQ Bank. RACQ Bank does not guarantee or otherwise provide assurance in respect of the obligations of that entity, unless noted otherwise.

  1. Subject to the further terms and conditions below, the Home Bundle gives eligible RACQ Bank customers a 15% discount off combined Home and Contents Insurance, Home Building Insurance or Contents Insurance for the life of any eligible home loan.
  2. Subsequent to the initial policy being taken out, if the member makes any policy changes which require an additional premium, that premium will need to be paid by the member.
  3. The Home Bundle promotional offer is valid for new RACQ Bank home loan customers only. Home Loans must be approved by 5:00pm 30 June 2021 and funded within 90 days of approval. Offer is subject to change without notice and may be withdrawn at any time. Acceptance of the offer is optional.
  4. Valid for Owner Occupier, residentially secured home lending products only. Not available for businesses or companies. Lending terms, conditions, fees, charges and lending criteria apply. View our Loan rate schedule and fee schedule for a full list of RACQ Bank’s home loan rates, fees and charges.
  5. Please refer to the Important Information section for information on RACQ Bank Home Loans which are eligible for the Home Bundle promotional offer.
  6. The Home Bundle offer is not available to RACQ staff members.
  7. For refinanced home loans from other banks, Home and Contents Insurance policies will be created at or after loan is unconditionally approved.
  8. For property purchases, policies are to be created once purchase contract is signed or at loan submission, however Home Loan plus Home and Contents Insurance discounts are conditional on the home loan funding within 90 days of the date of the submitted application.
  9. Policyholders who already hold at least one insurance policy issued by RACQ Insurance Limited, may be eligible for a range of discounts, for the full breakdown of discounts please visit racq.com. After the deduction of any available discounts, a further discount of 15% will be deducted to calculate the final premium. The calculated premium may then have additional taxes and charges applied. The Home Plus 15% discount offer is not available in conjunction with the online application discount of $75 for Home and Contents Insurance.
  10. Insurance products issued by RACQ Insurance Limited ABN 50 009 704 152. Conditions, limits and exclusions apply. Read the PDS and any relevant SPDS before making a purchase decision. Contact us for a copy.
  11. Refer to Important Information section of this page for RACQ Bank Home Loan disclaimers including the comparison rate warning.