Protect your happy place with RACQ Home Insurance
We’re a different kind of insurer. When you insure your home with us, you become a member. That means we’ll be by your side if things go wrong.
- We cover the big things like damage or loss from storm, flood, hail, fire and theft.
- We take care of little things you might not think about, like accommodation if your home is unfit to live in during repairs.~
- Our contents insurance includes new for old replacement of your contents.
Home and contents insurance
Cover your home and belongings
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Insure for fire, theft, flood, storm, hail, and cyclones -
New for old contents replacement
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Up to 12 months temporary accommodation after an insured event if your home is unfit to live in
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Up to $1,000 for food spoilage without paying an excess
Home insurance
Cover your home
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Insure for fire, theft, flood, storm, hail, and cyclones
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Up to 12 months temporary accommodation after an insured event if your home is unfit to live in
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Up to 10% of the home sum insured to cover redesign work to repair or rebuild your home after an insured event
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Cover for loss or damage to sheds, carports, fixed swimming pools, solar panels, and water tanks
Contents insurance
Cover your belongings
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Insure against fire, theft, flood, storm, and cyclones
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New for old contents replacement
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Up to $1,000 for food spoilage without paying an excess
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Choice to insure portable valuables like jewellery, mobile phones, tablets, and laptops
This is a summary only. For full details of what’s included in RACQ Home Insurance, see our Product Disclosure Statement (PDS), any applicable Supplementary PDS, Key Facts Sheet and Target Market Determinations
Calculators to help you complete your home and contents insurance quote
Manage your home and contents insurance
Why choose RACQ for your home insurance?
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Our home insurance covers solar panels as standard. -
Our contents insurance includes new for old replacement of your contents. -
Our car and home insurance has won more than 25 Mozo People's Choice Awards. -
Our Queensland-based team are here when you need us – click, call or visit us in store.
Award-winning insurance
RACQ are the proud winner of the 2023 Canstar Most Satisfied Customers – Qld award, plus the 2023 Mozo People’s Choice Award for Highly Trusted and the 2023 Mozo People’s Choice Award for Excellence Claims Experience for Home Insurance in Queensland.
Your home insurance comes with member perks~~
Home insurance FAQs
While you're here
Things to note
Insurance products (excluding Travel Insurance) 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.
~Up to 10% of the sum insured, short term accommodation costs for up to 14 days and ongoing accommodation costs for up to 12 months.
*The online discount will be applied and deducted on the total annual premium amount payable on your new policy. Excludes pay later option and any policy renewals. Discount amounts may be pro-rated for cover of less than 12 months.
^Based on RACQ data as at 4 April 2024, over 350,000 Queenslanders held Household Insurance policies with either Home cover, Contents cover, or Home and Contents cover.
Banking and loan products issued by Members Banking Group Limited ABN 83 087 651 054 AFSL/Australian credit licence 241195 trading as RACQ Bank. Terms, conditions, fees, charges and lending policies 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 disclosure documents for your selected product or service, including the Financial Services Guide and the Terms and Conditions, and consider if appropriate for you 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.
~~ Terms and conditions apply to all offers. View the individual offer for full details. Offer is subject to availability and may be withdrawn at any time without notice.