We've got you covered with RACQ Home Insurance

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

$50 RACQ online discount icon
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RACQ member discounts icon
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RACQ Home Insurance benefits include:

  • temporary accommodation 
  • voluntary excesses to reduce your premium
  • Roadside Assistance loyalty discounts
  • lifetime repair guarantee.

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
  • cover to replace your trees, shrubs, plants and hedges
  • waiving or refunding your remaining premium if you’re genuinely made redundant.

Have you got the right amount of insurance?

See how much home and contents insurance you really need. Use this fast and easy calculator.

 Building calculator 

This calculator is 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.

What you get 

Know that your biggest asset is covered for a wide range of events and scenarios when you take out RACQ Home Insurance.

Insured events Queensland experiences its fair share of extreme weather. With RACQ, your house is covered in the event of:
  • flood and water runoff
  • storm, cyclone, hail, fire, earthquake, tsunami
  • lightning and power surges
  • animal damage
  • impact, explosion
  • riots or civil disturbance
  • 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.
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.
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 by repairing any faulty workmanship.
Counselling services We pay for up to 6 counselling sessions with a registered practitioner following insured events. 
Broken glass We pay the cost of repairing or replacing broken glass that is part of your home (e.g. a skylight or window).
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.
Demolition and 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. 
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.
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.
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. 
Clean up costs We pay the cost of cleaning up the mess or damage caused by a thief, vandal or forensic police investigation.
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.
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.

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 Home Insurance policy. 

Advanced cover  Get cover for accidental loss, damage or motor burnout. For example, if you knock over a lamp, which crashes into your television; or you spill a glass of water on your laptop. 
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. fridge, oven, dishwasher). You’re also covered for the loss of any refrigerated or frozen goods resulting from motor burnout or power interruption.

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 home insurance

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

Online discount  If you buy an RACQ Home Insurance policy online, you'll get a $50 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 insurance 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%. 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.
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.