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Owner occupied - you own the home or have a mortgage on the property and may also reside in the home without any tenants.

Landlord - you rent your property out to tenants.

Renter - you rent the property from a landlord.

An exclusion for ‘Disease’ applies to all household insurance policies. Please read the PDS, SPDS and KFS to ensure you are aware of what you are covered for and any changes.





What is my building type?

House - a typical home that does not share any walls with neighbouring buildings

Duplex - a building that contains two units or townhouses that share at least one common wall

Townhouse - a building designed as part of a block of houses on the same block of land that contains two units that share at least one common wall

Unit - a block of units which has individual titles for each unit

Flats- a building, owned by a single person or entity, that is divided into a number of self-contained areas

Home and contents 
Covers you for both your building and contents. 

Home only 
Covers the building itself. 

Contents only 
We cover your household goods and personal items located at the insured address.  

Please see the PDS, applicable SPDS and KFS for more information.

What's the address of the property you want to insure?

e.g 103 Adelaide St, Brisbane 4000

RACQ members may be entitled to discounts on their insurance.

You are an RACQ member if you have any of the following:

  • RACQ Roadside Assistance
  • RACQ Lifestyle
  • RACQ Insurance
  • RACQ Bank products
  • RACQ Home Rescue

Excludes RACQ CTP Insurance and Travel Insurance.



You are eligible for a multi-policy discount if you already have two or more of the following policies with RACQ:

  • Car Insurance (each vehicle is one policy). Example, if you have 2 cars insured with RACQ now and insure your contents with us, you will be eligible for a multi-policy discount.
  • Home Insurance
  • Contents Insurance
  • Boat Insurance
  • Caravan and Trailer Insurance
  • Pet Insurance

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