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Check out our Home Insurance options

Customise your RACQ Home Insurance policy to protect the things that matter most and open the door to a lifetime guarantee on repairs, a trusted 24/7 claims service, and the option to pay by the month.

Besides protecting your big and small items, you’ll also be a member of Queensland’s largest club and access a range of savings you can count on. Compare our Home Insurance cover, save up to $75 if buying online, and reduce the cost with our insurance discounts.

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Choose the right insurance option for your home

$75 online discount*

Home and Contents Insurance

  • Cover for your home (building) and your belongings
  • Cover against fire, theft, flood, storm, hail, cyclone and leaks for your home and contents
  • New for old contents replacement
  • Up to 12 months temporary accommodation after an insured event if your home is unfit to live in
  • Up to $1,000 for food spoilage without paying an excess
$50 online discount*

Home Insurance

  • Cover for your home (building)
  • Building cover against fire, theft, flood, storm, hail, cyclone and leaks
  • Up to 12 months temporary accommodation after an insured event if your home is unfit to live in
  • We pay the reasonable costs to redesign your home after an insured event
  • Cover for loss or damage to sheds, carports, fixed saunas and swimming pools, solar panels and water tanks
$25 online discount*

Contents Insurance

  • Cover for your belongings
  • Contents cover against fire, theft, flood, storm, cyclone and leaks
  • New for old contents replacement
  • Up to $1,000 for food spoilage without paying an excess
  • Portable valuables such as jewellery, mobile phones, tablets and laptops covered anywhere in Australia and New Zealand (optional benefit).

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

Calculator

Which cover is right for you? Compare all of our home and contents insurance products and the choose the one that best suits your needs

Home Insurance Calculators

Our home and contents insurance calculators will help you estimate how much it would cost to replace your home building and contents. You can use these estimated costs when completing your home and contents insurance quote.

Ways to save

For full details of discounts and savings for RACQ Home and Contents Cover, see our Product Disclosure Statement (PDS) and any applicable Supplementary PDS. Learn more about our Insurance Discounts.

Online discount

Buy an RACQ Home or Contents Insurance policy online and you’ll get up to $75 discount*.

Roadside Assistance Discount

RACQ Roadside Assistance members get up to a 17.5% discount on your 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 rewarded for your excellent claims history if you have held Household Insurance for five years or more, with any insurer, without making a claim.

Get a bonus 15% off your Home and Contents Insurance for the life of your RACQ Bank home loan.**

Award winning cover

RACQ Home and Contents Insurance has been recognised across six categories in the 2021 Mozo People’s Choice awards: Excellent Customer Service, Highly Trusted, Outstanding Customer Satisfaction, Most Recommended and Sign Up-Experience and Excellent Claims Experience.

RACQ Home and Contents Insurance is a winner of 3 People's Choice Mozo Awards in 2021

Home Insurance FAQs

Download the scope of works information sheet to find out what it is, how it works and the process.

Download the cash settlement information sheet to find out the why, how it works and the process.

All types of RACQ Home and Contents policies will automatically cover you for flood. We define flood as ‘…the covering of normally dry land by water that has escaped or been released from the normal 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.

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

Yes, our Home and Contents Insurance does cover investment properties. We cover landlords for loss or damage to the home and also offer cover for fixtures and fittings, floor coverings and carpets, light fittings, blinds and curtains. We also cover you for lost rent and rent default. Please read our PDS, applicable Supplementary PDS and Key Facts Sheet for more information.

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.

Your 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 impacts from COVID-19, increased home building activities and supply chain issues are currently driving up material costs. 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. You should check how much your home is insured for, to ensure it’s sufficient in today’s market.

To help you avoid being underinsured, you can use our Home Rebuild and Home Contents calculator 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.

* Excludes pay later option.

Loans are issued by Members Banking Group Limited ABN 83 087 651 054 AFSL and Australian Credit Licence 241195 trading as RACQ Bank. This information does not take your personal objectives, circumstances or needs into account. Read the disclosure documents  for your selected product or service, including the Terms and Conditions, before deciding.

Except for RACQ Bank, any RACQ entity referred to on this page is not an authorised deposit-taking institution for the purposes of the Banking Act 1959 (Cth). That entity’s obligations do not represent deposits or other liabilities of RACQ Bank. RACQ Bank does not guarantee or otherwise provide assurance in respect of the obligations of that entity, unless noted otherwise.

^ 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.

  1. Subject to the further terms and conditions below, the Home Bundle gives eligible RACQ Bank customers a 15% discount off combined Home and Contents Insurance, Home Building Insurance or Contents Insurance for the life of any eligible home loan.
  2. Subsequent to the initial policy being taken out, if the member makes any policy changes which require an additional premium, that premium will need to be paid by the member.
  3. The Home Bundle promotional offer is valid for new RACQ Bank home loan customers only. Offer is available until further notice, subject to change without notice and may be withdrawn at any time. Acceptance of the offer is optional.
  4. Valid for Investment or Owner Occupier, residentially secured home lending products only. Not available for businesses or companies. Lending terms, conditions, fees, charges and lending criteria apply. View our Loan rate schedule and fee schedule for a full list of RACQ Bank’s home loan rates, fees and charges.
  5. Please refer to the Important Information section for information on RACQ Bank Home Loans which are eligible for the Home Bundle promotional offer.
  6. The Home Bundle offer is not available to RACQ staff members.
  7. For refinanced home loans from other banks, Home and Contents Insurance policies will be created at or after loan is unconditionally approved.
  8. For property purchases, policies are to be created once purchase contract is signed or at loan submission, however Home Loan plus Home and Contents Insurance discounts are conditional on the home loan funding within 90 days of the date of the submitted application.
  9. Policyholders who already hold at least one insurance policy issued by RACQ Insurance Limited, may be eligible for a range of discounts, for the full breakdown of discounts please visit racq.com. After the deduction of any available discounts, a further discount of 15% will be deducted to calculate the final premium. The calculated premium may then have additional taxes and charges applied. The Home Plus 15% discount offer is not available in conjunction with the online application discount of $75 for Home and Contents Insurance.
  10. 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 before making a purchase decision on this product. You can also access our Target Market Determinations on this website.
  11. Refer to Important Information section of this page for RACQ Bank Home Loan disclaimers including the comparison rate warning.