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.

  • Over 350,000 Queenslanders count on us to protect their home^
  • Coverage for Queensland – our home insurance covers damage or loss from storm, flood, hail, fire and theft
  • You get temporary accommodation if an insured event makes your home unfit to live in during repairs~
  • New for old replacement of your contents
  • Solar panels are included as standard for an insured event in our home insurance cover
  • Queensland based – meaning you can click, call or visit us instore
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Home and contents insurance

Cover your home and belongings

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    Insure for fire, theft, flood, storm, hail, and cyclones
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    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
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Home insurance

Cover your home

  • Tick icon
    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
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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

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Find the right RACQ Home Insurance for your needs

Compare our home and contents insurance options to get the right amount of cover for your household.

calculatorCalculators to help you complete your home and contents insurance quote

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Building insurance calculator
Get an insight into what it would cost to rebuild your home and use this figure to complete your home insurance quote.
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Contents insurance calculator
Understand the cost of replacing your personal belongings, so you know how much to insure them for when completing your quote.

More reasons why you should choose RACQ for your home insurance

  • family-holding-hands
    Member owned – we serve our members and their communities, not shareholders
  • piggy-bank-dollar-coin
    Member benefits helping make daily life more affordable
  • paint-roller
    Save on your home with discounts at Andersens, Wattyl Paint Centres and on Myer eGift Cards
  • drawer-and-lamp
    Save on home furnishings with Freedom Furniture and Temple and Webster eGift Cards
  • Travel ticket
    Save on holidays with offers and discounts on car hire, attractions and accommodation
  • shopping-bag
    Save on everyday items and expenses with discounts on fuel, food and dining, groceries, shopping, movies, and more

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. 

Your home insurance comes with member perks~~

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RACV Resorts
Save with discounted accommodation at RACV Resorts in Noosa, Hobart and on the Gold Coast.
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Treat yourself to a little entertainment
Save on eVouchers and eGift Cards for Event Cinemas and BCC Cinemas Queensland-wide.
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Earn cashback rewards when you shop
Shop online with more than 200 fashion, beauty, pet, and home retailers and earn cashback rewards.
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Save on the essentials every week
Enjoy a 4% discount on pre-purchased Woolworths Supermarket eGift Cards.

Home insurance FAQs

While you're here

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Home solar
Find out how to make your home greener and your power bills smaller with a GEM Energy solar system health check.
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Renovating
Our useful guide for home renovation outlines the steps to consider and home renovation loan options available to get your home improvements started.
Homeowners with an RACQ Bank Lender
Home loans
Whether you're a first home buyer, an investor, or you're refinancing, RACQ Bank offers home loans.

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 22 July 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.