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Know you’re covered with RACQ Contents Insurance for renters and tenants

Get protection from a trusted brand that will be there when you need help. RACQ Renter’s Insurance covers your contents in a range of events including leaks, power surges, theft and animal damage.

Buy an RACQ Renter’s Contents Insurance policy and you’ll become a member with access to a wide range of RACQ member benefits including savings, help and advice plus a $25 discount when you purchase your policy online*.

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What am I covered for?

For full details of what’s included in RACQ Contents Insurance for renters and tenants, see our Product Disclosure Statement (PDS) and any relevant Supplementary PDS (where applicable).

Cover for loss or damage in a flood, storm, fire, theft and more.
Up to $20 million in legal liability if an accident occurs anywhere in Australia.
New for old replacement on most contents in your home.
Lifetime repair guarantee – we pay the cost to fix any faulty workmanship on repairs authorised by us.
  • 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.
  • Clean up costs
    We pay up to 10% of the sum insured for 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

Summary only. For full details of optional extras for RACQ Contents cover, see our Product Disclosure Statement (PDS) and any relevant Supplementary PDS (where applicable).


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).

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.

Items away from home

We can cover items that may leave your rented property (in Australia and New Zealand) for loss or damage 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 Renter’s 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 a discount of up to 17.5%# on their 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.

RACQ members can access discounts and offers for restaurants, movie tickets, theme parks, retailers and more.

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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.

Travel Insurance: Limits, exclusions & conditions apply. RACQ Operations Pty Ltd (ABN 80 009 663 414, AR 234978) is an authorised representative of Tokio Marine & Nichido Fire Insurance Co., Ltd (Tokio Marine & Nichido) ABN 80 000 438 291 AFSL 246548, the insurer underwriting this product. This is general advice only. We do not provide any advice based on any consideration to your objectives, financial situation or needs. Please review your own needs and the combined Product Disclosure Statement (PDS) and Financial Services Guide before deciding to buy this insurance.

* Excludes pay later option.

# Maximum 17.5% discount. Savings based on Roadside membership level.

** Excludes pay later option. Pet Insurance discount is per pet, maximum four pets.