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We’ve got you covered with RACQ Contents Insurance

Enjoy the security that Queensland’s largest club offers with RACQ Contents Insurance. Know that you’re covered for a range of events including leaks, power surges, theft and animal damage.

When you buy an RACQ insurance policy you’ll become a member with access to member benefits including savings, help and advice plus a $25 discount when you buy online*.

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Award Winning Insurance Cover
Save $25 when you buy this policy online*

Save $25 when you buy this policy online*  

What am I covered for?

For full details of what’s included in RACQ 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 authorised repairs due to faulty workmanship
  • Food spoilage
    We pay up to $1000 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.
  • Clean up costs
    We pay up to 10% of the cost of cleaning up the mess or damage caused by a thief, vandal or forensic police investigation.
  • 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.
  • 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).
  • 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.
  • 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).
Home Assistance

Landlord fixtures and fittings

If you are a landlord, increase your cover for floor coverings, light fittings, window coverings and other fixtures and fittings.

Motor burnout

Get cover for loss or damage to domestic electrical items up to 10 years old (e.g. garage doors, air conditioning unit).

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 Contents Insurance cover, see our Insurance Discounts page.

$25 online discount

Buy an RACQ Contents Insurance policy online, you'll get a $25 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).

Multi Policy Discount

If you have three or more insurance policies with RACQ, get up to 5% off each of your eligible policies.

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.

 As an RACQ member, you can also save 4¢ per litre on fuel at selected Puma stations#.

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.’

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 relevant SPDS (where applicable) 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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Combined Home and Contents Insurance

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

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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.