Be prepared with RACQ Home and Contents Insurance
RACQ Home and Contents Insurance protects the things that make your house a home, big or small.
- Be covered for damage or loss from storm, flood, hail, fire and theft
- Enjoy new for old replacement on your home contents
- Lifetime guarantee on repairs completed by RACQ's network of suppliers
Save $50 when you buy this policy online *
What does my RACQ Home and Contents Insurance cover?
This is a summary only. To get up to speed on all the details, read our Product Disclosure Statement (PDS), any applicable Supplementary PDS, Key Facts Sheet and Target Market Determinations.
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Loss or damage in a flood, storm, hail, theft, accident, vandalism, or fire event -
Up to $20 million in legal liability if an accident occurs at your insured address -
New for old replacement on your home contents -
Lifetime repair guarantee on repairs completed by RACQ's network of suppliers
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Temporary accommodationIf your home is unlivable after an insured event, we will pay for temporary accommodation for up to 14 days and ongoing accommodation costs for up to 12 months if your home is unfit to live in, for a total amount up to 10% of your home sum insured. -
Clean-up costsWe pay up to 10% of your home sum insured or your contents sum insured for the cost of cleaning up the mess or damage caused by a thief, vandal or forensic police investigation.
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LocksWe pay up to $1000 per claim to re-key, recode or replace locks on external doors at your home if keys are stolen from your home and the theft is reported to police. This benefit has no excess but other excesses may apply.
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Food spoilageWe pay up to $1,000 per claim for spoiled frozen and refrigerated food and medicines at your home if caused by an insured event, refrigerant fumes escaping, fridge or freezer break down or a public electricity failure. No excess is payable.
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Demolition and removal of debrisOn top of the home sum insured, we will pay an additional amount up to 20% of the home sum insured to demolish your home and remove any debris.
RACQ Home and Contents Insurance optional benefits
This is a summary of the optional benefits available with this policy. Find out more about the optional benefits you can add to your policy in our Product Disclosure Statement (PDS), any applicable Supplementary PDS, Key Facts Sheet and Target Market Determinations.
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Advanced coverGet cover for accidental damage to things like your television or works of art, and cover for motor burnout on things like your fridge. -
Pet coverGet up to $750 cover for up to two pets (dogs or cats only), for veterinary costs associated with accidental injury, disease or illness. Elective, routine, and preventative care are not covered. If you're interested in more comprehensive cover, read more about RACQ’s Pet Insurance here. -
Mobile phone coverGet cover for your mobile phone if it is accidentally lost or damaged anywhere in Australia or New Zealand up to the insured amount you nominate less a $200 excess.
Home and contents insurance calculators
Estimate the replacement value of your home and contents in a few minutes.
Why choose RACQ for your home and contents insurance?
We’re going green
RACQ is making sustainable living easier and more affordable. Learn more about how we can help you go green today.
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Home insurance includes up to 12 months’ accommodation if your home is unfit to live in while repairs are being done.~ -
Solar panels are covered as standard by our home insurance. -
You become a member when you take out RACQ Home and Contents Insurance. -
As a mutual organisation, we serve our members and their communities, not shareholders.
Save with RACQ Home and Contents Insurance
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$50 online discountBuy your home and contents insurance online and get a $50 discount.* -
Roadside assistance loyalty discountMembers with RACQ Roadside Assistance can get up to 17.5% off their home and contents insurance (savings based on membership level). -
Combined discountSave up to 13% when you combine your home and contents for the same owner-occupied property.^^ -
Household excellence bonusUnlock a discount if you have held household insurance for 5 years or more without making a claim.
Award-winning insurance
RACQ are the proud winner of 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.
Explore RACQ member benefits~~
Manage your home and contents insurance
Contact us
Need help or would like to know more? RACQ offers many convenient ways for you to get in touch with us.
Home and contents insurance FAQs
Tips and guides
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 Product Disclosure Statement (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.
~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.
~~ 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.
#Conditions apply. Offer available at participating Caltex and Puma Energy service stations. Visit racq.com/caltex for details.
*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.
^^ Home and contents must be at the same address.
+Based on RACQ data as at 11 November 2024, over 350,000 Queenslanders held Household Insurance policies with either Home cover, Contents cover, or Home and Contents cover.