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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. Know that you’re covered for a range of events including floods, storms, fire and theft by a trusted brand that will be there when you need help.

When you buy an RACQ insurance policy you’ll become a member with access to member benefits including savings, help and advice plus a $75 discount when you buy online*.

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Award Winning Insurance Cover

Save $75 when you buy this policy online* 

Ways to save

For full details of discounts and savings for RACQ Home and Contents Insurance cover, see our Insurance Discounts page.

$75 online discount

Buy an RACQ Home and Contents Insurance policy online, you'll get a $75 discount*.

Roadside Assistance Discount

RACQ Roadside Assistance subscribers get up to 17.5% discount on their home and contents insurance (savings based on membership level).

Combine discount

Save up to 13% on your premium when you combine your home and contents into a single policy.

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.

Save with RACQ RACQ members can access discounts and offers for restaurants, movie tickets, theme parks, retailers and more.

Frequently asked questions

Yes, you are automatically covered for flood. We define flood as ‘…the covering of normally dry land by water that has escaped or been released from the normal confines of any of the following:

• a lake, river, creek or other natural watercourse (whether or not it has been altered or modified)

• a reservoir, canal or dam.’

Home Insurance covers the exterior of your house (the bricks and mortar), the roof and the structures of your outbuildings (like sheds and garages). It protects you against fire, flood, damage, loss, and theft related to the physical structure of your house/property.

Contents Insurance covers the things inside your home, such as appliances, furniture, electronics, jewellery and items not permanently attached to the building. It protects your belongings if they are damaged, destroyed or stolen. Make sure you read the PDS and any Supplementary PDS to ensure your belongings will be thoroughly covered.

Yes, you will be required to provide the following to ensure we are replacing or repairing the item correctly:

• Proof of ownership of any damaged or stolen property (e.g. receipts, invoices or photographs)
• Details of any damaged property or items that have been lost or stolen
• Samples of damaged items such as carpet, blinds or rugs (only if it is safe to do so)

If you need to lodge a claim call us on 13 7202 or visit an RACQ branch.

Depending on your insurance product, there are several ways to easily make a claim. Go to our How to make a claim page for instructions.

Our friendly claims staff will walk you through the process and help you get back on track. Every situation is different so don’t hesitate to give us a call if you have questions about your claim.

The sum insured should reflect the full cost to rebuild or replace your home and contents at today's prices, should you ever need to. The cost to rebuild on a new-for-old basis can be more than the market value of your home due to materials, labour and current building laws. To help you avoid being underinsured, you can use our Home Rebuild and Home Contents calculators to estimate the amount of cover you may need, or consult a professional for a valuation. You can ask us to change your home and/or contents sum insured at any time.

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Insurance products issued by RACQ Insurance Limited ABN 50 009 704 152. 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 relevant SPDS (where applicable) before making a purchase decision.

* Excludes pay later option.

*** Excludes pay later option. Pet Insurance discount is per pet, maximum four pets.