We've got you covered with RACQ Home and Contents Insurance

Enjoy the security that Queensland’s largest club offers with RACQ Home and Contents Insurance. Our weather is so unpredictable and our storms fierce, so you want protection from a trusted brand that will be there when you need help.

$75 RACQ online discount icon
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RACQ Home and Contents Insurance benefits include:

  • cover for a range of events, including flood, storms, fire, theft and more
  • new-for-old replacement on your contents
  • lifetime repair guarantee
  • Roadside Assistance loyalty discounts
  • voluntary excesses to reduce your premium.

Get a quote   Read the PDS

You can trust RACQ to cover all your big items, and protect your smaller ones, because they’re all important to you. Our cover includes:

  • multi-policy discounts
  • up to $1,000 paid for food spoilage
  • cover to replace your trees, shrubs, plants and hedges
  • waiving or refunding your remaining premium if you’re genuinely made redundant.

Got the right amount of insurance?

See how much home and contents insurance you really need. Use these fast and easy calculators.

 Building calculator    Contents calculator 

These calculators are intended as a guide only. We encourage you to make a complete and thorough assessment to meet your specific requirements. You may wish to regularly conduct an assessment of your building and demolition costs and the value of your home’s contents.

What you get

When you take out RACQ Combined Home and Contents Insurance you’re covered for a wide range of events.

Insured events  Queensland experiences its fair share of extreme weather. With RACQ, you’re covered in the event of:
  • flood and water runoff
  • storm, cyclone, hail, fire, earthquake, tsunami
  • lightning and power surges
  • animal damage
  • impact, explosion
  • riots
  • theft and vandalism
  • leaks - bursting, leaking, discharging or overflowing of liquids. 
$20 million legal liability cover We pay up to $20 million in legal liability if an accident occurs at your insured address. This benefit covers the liability of you and anyone who permanently resides with you at the property.
Investigating leaks If a leak has caused loss or damage to your home, we pay up to 10% of your sum insured for the reasonable costs to locate the source of the leak.
Broken glass We pay the cost of repairing or replacing broken glass that is a part of your home or furniture (e.g. a skylight or coffee table with a glass top). This does not include accessories or ornaments.
Clean up costs We pay the cost of cleaning up the mess or damage caused by a thief, vandal or forensic police investigation.
Food spoilage We pay up to $1000 for spoiled frozen and refrigerated food and medicines if caused by:
  • an insured event
  • refrigerant fumes escaping
  • a fridge or freezer break down
  • public electricity failure.
Home modifications after serious injury We will pay up to $25,000 for modifications required to your home if you, or any family who permanently lives with you, are diagnosed with quadriplegia or paraplegia after an insured event.
Extra living expenses While your damaged home is being rebuilt or repaired, we pay extra living expenses (e.g. fees to connect electricity, phones and gas, or temporary fencing for your pet).
Temporary accommodation If your home is unliveable after an insured event, we pay for emergency accommodation for up to 14 days, plus ongoing accommodation costs for up to 12 months if your home needs to be rebuilt.
Demolition and removal of debris We will pay up to 20% of your insured amount to demolish your home and remove any debris.
Design We will pay the up to 10% of your insured amount to redesign your home after an event. 
Storage costs after an event We pay the reasonable costs to store your contents if you need to move out of your home because of an insured event.
Locks We pay up to $1000 per claim to re-key, recode or replace locks on external doors at your home. This benefit has no excess.
Lost rent We pay the rent you lose if your tenants need to move out  because an insured event has made it unfit to live in.
Matching repairs We will pay up to $500 to replace or match undamaged building materials and floor coverings when carrying out repairs from an insured event.
Security firm response We pay up to $750 to cover the cost charged by your security firm if they respond to an alarm signal at your home because of an insured event.
Emergency services damage We pay up to $1,000 for loss or damage to your home caused by emergency services gaining entry to your home
Lifetime repair guarantee We guarantee the quality of repairs we authorise for your home or contents by repairing any faulty workmanship.
Funeral expenses We pay up to $5,000 to assist with funeral expenses if you or a member of your family dies as a result of an insured event.
Contents in storage We cover you for contents that you store away from your home for up to 60 consecutive days.
Contents in transit We cover you for contents while you are moving them to a new residence in Australia. Cover extends for 14 days from the day you start to move.
Contents in a safety deposit box We cover you for the contents that you keep in a safe deposit box at a financial institution.
Counselling services We pay for up to 6 counselling sessions with a registered practitioner following insured events.  
Gifts We cover the cost of gifts you bought for a special occasion (e.g. wedding, Christmas gifts) if they are lost due to an insured event.
Credit card misuse We pay certain costs you may be liable for if your credit card or other financial transaction card is lost or stolen.
Temporary removal of contents We cover the contents you have with you while you are away from your home for up to 30 consecutive days (e.g. if you take your camera or laptop on a holiday).
Replacing documents We pay up to $1,000 to replace important personal documents (e.g. marriage certificates, passports) that are lost or damaged by an insured event.
Redundancy premium waiver We will waive or refund the remaining premium on your policy if you, as the policyholder, are made genuinely redundant.
Replacing trees, shrubs, plants and hedges We will pay up to $1000 to replace your damaged trees, shrubs, plants and hedges if your home is damaged during an insured event. 
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.

The above features are a summary only and limits apply. Please refer to our Product Disclosure Statements for full details, exclusions, and terms and conditions.

Choose from optional extras

For an additional cost, you can add these optional benefits to your RACQ Combined Home and Contents Insurance policy.

Advanced cover Get cover for accidental damage and motor burnout (e.g. if you knock over a lamp, which crashes into your television; or you spill a glass of water on your laptop).
Pet cover Get up to $750 cover for up to two pets (dogs or cats only), for veterinary costs associated with accidental injury or illness. Please note that it doesn’t cover elective, routine or preventative care like vaccinations, spaying or heartworm testing.
Mobile phones 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.
Motor burnout Get cover for loss or damage to domestic electrical items up to 10 years old (e.g. fridge, oven, dishwasher). You’re also covered for the loss of any refrigerated or frozen goods resulting from motor burnout or power interruption.
Items away from home We can cover items that may leave your home (in Australia and New Zealand) for loss or damage up to the insured amount you nominate.
Small business contents Our standard policy covers your home office equipment and furnishings for up to $10,000. This optional benefit means you can choose to raise the insured amount by an additional $20,000 and include cover for stock.
Specified items Choose cover for your valuable items inside your home for more than they are covered for under our standard policy.
Landlord fixtures and fittings If you are a landlord, increase your cover for floor coverings, light fittings, window coverings and other fixtures and fittings.

The above features are a summary only and limits apply. Please refer to our Product Disclosure Statements for full details, exclusions, and terms and conditions.

Save on your insurance

Put the following discounts to use and reduce the cost of your insurance.

Online discount If you purchase an RACQ Combined Home and Contents Insurance policy online, you'll get a $75 discount—excludes pay later option.
Roadside Assistance loyalty discount
Already an RACQ member with Roadside Assistance? Get up to 17.5% discount on your home and contents insurances depending on your level of membership. 
Household excellence bonus Get up to 6% discount if you have held household insurance for 5 years or more, with any insurer, without making a claim.
Multi-policy discount If you have three or more insurance policies with RACQ, get up to 5% off each of your eligible policies.
Combined insurance discount By combining home and contents into a single policy, you can save up to 13% on your premium.
No claim discount If you haven’t claimed in the last 12 months, get up to 4% off your premium. 
Over 55 discount Once you turn 55, you may get a discount of up to 10% off your home insurance and up to 15% off contents insurance. Please note that you are only entitled to one of either the Over 55 or Seniors Card discounts.
Seniors Card discount If you hold a qualifying Seniors Card, get up to 15% off your home insurance and up to 25% off contents insurance.
Apartment discount If you live in a unit, duplex, townhouse or flat, get up to 20% off your contents premium.
Alarm discount Got an alarm that’s monitored 24/7? Get up to 10% off your contents premium.

Get a quote   Read the PDS

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*Excludes pay later options.

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. Please read the PDS and Key Facts Sheets before making a purchase decision on this product. Any general advice relating to this product at racq.com is provided by RACQ.

RACQ Life, Accident and Income Protection Insurance is issued by AIA Australia Limited ABN 79 004 837 861, AFSL 230043. Read the PDS on this website before making a purchase decision. Conditions, limits and exclusions apply.