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We’ve got you covered with RACQ Home Insurance

Enjoy the security that Queensland’s Largest Club offers with RACQ Home 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 $50 discount when you buy online*.


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Save $50 when you buy this policy online

Award winning cover

RACQ Home Insurance is a back to back winner of Mozo's People's Choice Awards for Highly Trusted. In 2020, our Home Insurance has also been recognised for Excellent Customer Service and Outstanding Customer Satisfaction.

RACQ Home and Contents Insurance is a winner of 3 People's Choice Mozo Awards in 2020

Ways to save

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

$50 online discount

Buy an RACQ Home Insurance policy online, you'll get a $50 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.

Get a bonus 15% off your Home and Contents Insurance for the life of your RACQ Bank home loan.^

Frequently asked questions

For policies with an effective date on or after 1 December 2019, changes were made to our Household Insurance cover for storm. By making these changes to our policy it allows us to continue to offer insurance to our members in a sustainable way.

You can claim for your roof if the hail has impacted the structural integrity of the building. An example of this might be where the hail made an opening in the roof that will let water in and may cause further damage. However, any minor damage such as minor roof blisters or dents in gutters, roof or roof vents that do not impact the structural integrity will not be covered under your policy. 

The changes to cover provided in the event of a Storm can be found in the Supplementary Product Disclosure Statement (SPDS) that is available on the RACQ website. Please read the PDS, applicable SPDS and Key Facts Sheet to ensure you are aware of what you are covered for and any changes.

If you have a current home insurance policy, the most recent SPDS will apply to your cover from renewal.

Yes, our policy covers you for wind damage as part of storm cover. For policies with an effective date on or after 1 December 2019, changes were made to our Household Insurance cover for storm. By making these changes to our policy it allows us to continue to offer insurance to our members in a sustainable way.

We no longer cover any damage caused by storm to paint and/or external coatings of a building unless it affects the structural integrity of the building. An example of this might be paint that has peeled, blistered or bubbled due to wind would not be covered as the structural integrity of the building is not affected.

The changes to cover provided in the event of a Storm can be found in the Supplementary Product Disclosure Statement (SPDS) that is available on the RACQ website. Please read the PDS, applicable SPDS and Key Facts Sheet to ensure you are aware of what you are covered for and any changes.

If you have a current home insurance policy, the most recent SPDS will apply to your cover from renewal.


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.
No. Contents Insurance covers the things inside your home, such as appliances, furniture, electronics, jewellery. You may also want to consider a combined Home and Contents Insurance policy.

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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Combined Home and Contents

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

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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.

* Excludes pay later option.

^^ Home and contents must be at the same address.

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.