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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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Award Winning Insurance Cover

Save $50 when you buy this policy online* Save $50 when you buy this policy online*  Get a quote

What am I covered for?

For full details of what’s included in RACQ Home 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.
House with tree
Temporary accommodation if your home is unliveable after an insured event.
Lifetime repair guarantee on repairs completed by trusted RACQ Insurance providers
  • Investigating leaks
    If a leak has caused loss or damage to your home, we pay up to 10% of the home sum insured for the reasonable costs to locate the source of the leak.
  • 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 $1000 per claim to re-key, recode or replace locks on external doors at your home. This benefit has no excess.
  • 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 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.

Optional Extras

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


Advanced cover

Get cover for accidental damage to a full enclosed and lockable part of your home.
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.

There’s more for members of RACQ

RACQ is owned by members, this means we can cover more Queenslanders with 99% of member insurance claims paid out in 2018 ^.

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 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.

Save with RACQ width= 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 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.

You might also be interested in...

Contents insurance

Protect the things that matter with RACQ Contents Insurance. Buy online now and save $25*!

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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^^.

Learn more

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.

Learn more

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 any relevant SPDS before making a purchase decision on this product. Any general advice to this product at is provided by RACQ.

RACQ Life, Accident and Income Protection is issued by AIA Australia Limited ABN 79 004 837 861, AFSL 230043. Read the PDS and any relevant SPDS on this website before making a purchase decision. Conditions, limits and exclusions apply.

*Excludes pay later option.
^ Based on FY18 data. Conditions, limits and exclusions apply. 

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