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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* 

What am I covered for?

For full details of what’s included in RACQ Combined Home and Contents Insurance, see our Product Disclosure Statement (PDS) and any relevant Supplementary PDS.

Cover for loss or damage in a flood, storm, fire, theft and more.
Up to $20 million in legal liability if an accident occurs at your insured address.
New for old replacement on most contents in your home
Lifetime repair guarantee on repairs completed by trusted RACQ Insurance providers
  • 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.
  • Clean up costs
    We pay the cost of cleaning up the mess or damage caused by a thief, vandal or forensic police investigation.
  • Locks
    We pay up to $1,000 per claim to re-key, recode or replace locks on external doors at your home. This benefit has no excess.
  • 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.
  • Demolition and removal of debris
    We will pay up to 20% of the home sum insured to demolish your home and remove any debris.
  • More Inclusions
    See our Product Disclosure Statement (PDS) and any relevant Supplementary PDS (where applicable).

Optional Extras

For full details of what’s included in RACQ Combined Home and Contents Insurance, see our Product Disclosure Statement (PDS) and any relevant Supplementary PDS.


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, disease or illness. Please note that it doesn’t cover elective, routine or preventative care like vaccinations, spaying or heartworm testing. If you're interested in more comprehensive cover, check out RACQ Pet Insurance.

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.

Why choose RACQ?


More than an insurance policy, you’re a member

When you insure with RACQ you receive membership to Queensland’s Largest Club with extra benefits such as advice, discounts and more.

Assisting Queenslanders since 1905

RACQ has been assisting Queenslanders for over 100 years, we know what matters most to locals at home and on the road.

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.

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Pet Insurance

Whether you’re looking for pet cover for your dog or cat, RACQ Pet Insurance ensures the best care for your furry friend. Buy online now and save $50***

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Boat Insurance

Get comprehensive cover for your boat so you can get on with enjoying Queensland’s waterways.

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Comprehensive Car Insurance

Coverage wherever you are, whoever is driving and whatever the weather. Get a $50* discount when you buy comprehensive car insurance online.

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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. Pet Insurance discount is per pet, maximum four pets.