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Things you should know

You have a duty to us to take reasonable care not to make a misrepresentation. To make sure you meet this duty, please review your responsibilities below

When obtaining your quote it’s your duty to:

  • Answer questions for yourself and anyone else covered by the policy
  • Provide answers that are honest, complete and accurate to the best of your knowledge

Please note: This duty applies when you take out, renew, extend or vary your insurance policy. If you breach your duty we may refuse to pay your claim. Any breach may also reduce the amount payable for a claim or result in your policy being cancelled. If your breach is fraudulent, we can also cancel the policy from the beginning.

You


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, any applicable 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 OR a terrace or semi-detached home (with one common wall and a street house number).
If your building is already covered under a Body Corporate scheme, please use Live chat now or call us on 13 1905 to discuss the best option for you; or continue with Contents only insurance cover.

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.

If your building is already covered under a Body Corporate scheme, please use Live chat now or call us on 13 1905 to discuss the best option for you; or continue with Contents only insurance cover.

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

See our Key Facts Sheet for a summary of our Contents insurance

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

Example Addresses

99 Regent Crescent,
KENMORE HILLS QLD
4069

Suite 1, Level 3 300
Queen Street,
BRISBANE CITY QLD
4000

Q1, Unit 945 9 Hamilton
Avenue, SURFERS
PARADISE QLD 4217


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

Excludes RACQ CTP Insurance and Travel.



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

  • Motor Vehicle 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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