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Compare our Home Insurance options and choose the cover that's right for you

With RACQ Home Insurance you also become an RACQ member giving you access to a wide range of benefits.

Compare our Home Insurance features, optional extras and discounts below and find the policy that suits your needs.

For full details of what’s included in our RACQ Home and Contents Insurance see our Product Disclosure Statement (PDS), any applicable Supplementary PDS, relevant Key Facts Sheet and Target Market Determination.

  • Home & Contents Insurance
  • Home Insurance
  • Contents Insurance (including Renters)
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Home & Contents Insurance
Home Insurance
Contents Insurance (including Renters)
What's Covered Hide
Insured events
$20 million legal liability cover
Assistance with clean-up costs
Cover for broken glass
Food spoilage
Temporary accommodation
Cover for damage caused by emergency services
Demolition and removal of debris
Home modification after serious injury
Redesign costs
Lost rent
Matching repairs
Locks
Gifts
Investigating leaks
Extra living expenses
Cost towards security firm response
Counselling services
Cover for loss or damage to your contents in transit
Cover for loss or damage to contents in safety deposit boxes
Credit card misuse
Replace documents
Cover for temporary removal of contents
Funeral expenses
Visitor's contents - loss or damage during an insured event
Replacing trees, shrubs, plants and hedges
Redundancy premium waiver

Home Insurance Comparison FAQs

House 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.

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, any applicable Supplementary PDS and relevant Key Facts Sheet to ensure your belongings will be thoroughly covered.

RACQ offers a range of excesses to choose from so you can select an excess to suit your needs. If you choose a higher excess it will decrease the policy premium you pay up front however you will have to pay more towards a claim.

You can lodge your Home Insurance claim online, on the phone or at your closest RACQ branch. Go to our how to make a claim  page for more information.

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 Building Insurance and Contents Insurance 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.

More insurance FAQs

Other ways we can help you out around the house

Home Rescue

Get up to 4 callouts per year for a range of Home Emergencies and a trusted tradie will arrive within 4 hours^.

Learn more

Home Quick Fix

Get access to a trusted tradie 24/7, 365 days a year.

Learn more

Lifestyle Discounts

RACQ members have access to a range of discounts at retailers including Snooze, Amart Furniture and Andersons. Condition...

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. 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 applicable Supplementary PDS plus any relevant Key Facts Sheet before making a purchase decision on this product. You can also access our Target Market Determinations on this website.

^Home Rescue Conditions, limitations and exclusions apply. Service provided by RACQ’s contracted service provider Aizer Trade Services Pty Ltd, QBCC licence 15137712, electrical contractor licence 86177. Available in selected areas. A 72 hour wait period applies to all new RACQ Home Rescue policies. Where applicable, follow-up work requires a separate contract with Aizer Trade Services Pty Ltd. RACQ accepts no responsibility for this follow-up work. While not guaranteed, RACQ’s Service Provider will endeavour for a licensed tradesperson to arrive within 4 hours.