RACQ Home Insurance

RACQ Home Insurance – Find out if Queensland's automotive society can protect your home as well as your car

Having made a name for itself representing the automotive and motoring interests of Queenslanders, RACQ (The Royal Automobile Club of Queensland) offer an array of insurance solutions. As well as travel insurance, boat insurance, CTP insurance and a wide selection of car insurance policies, RACQ also offers home and contents insurance to its customers.

The purpose of insuring your home and contents is to protect your most valuable asset and your most treasured possessions against an extensive range of risks. If something goes wrong, for example your roof is damaged by a hailstorm or if your valuable possessions are destroyed by fire, a home and contents insurance policy covers repair and replacement costs. This gives you the confidence and security you need to simply live your life without having to worry about how you would cope should the worst happen.

RACQ Insurance offers Home Insurance, Contents Insurance and Combined Home and Contents Insurance to customers in Queensland and northern NSW.

finder.com.au does not currently have access to this home insurance brand. You may wish to compare options available on the home insurance homepage.

RACQ Home Insurance cover options

RACQ Combined Home and Contents Insurance

This policy provides a comprehensive level of cover and combines the features of RACQ Home Insurance and RACQ Contents Insurance. Your home and contents are covered against loss or damage caused by a wide range of events, including flood, storms, fire and theft. New for old replacement is offered on your contents, while Emergency Home Assist, $20 million of legal liability cover and broken glass cover is also included.

This comprehensive policy offers the ultimate protection for both your building and its contents. RACQ Combined Home and Contents Insurance covers:

  • flood and water runoff
  • storm
  • cyclone
  • hail
  • fire
  • earthquake
  • tsunami
  • lightning and power surges
  • animals
  • impact
  • explosion
  • riot
  • civil disturbance
  • theft
  • vandalism
  • leaks
  • $20 million of liability cover
  • investigating leaks
  • broken glass
  • clean up costs
  • extra living expenses
  • temporary accommodation
  • demolition and design
  • removal of debris.

RACQ Home Insurance

This policy is available for homeowners and landlords and it provides cover for your building in a wide range of scenarios. These include flood, storm, hail, earthquake, tsunami, lightning, impact, explosion, theft and vandalism. Emergency Home Assist is available when you need immediate help, while temporary accommodation and emergency services damage are also covered. Other features include broken glass cover, lost rent cover, and up to $20 million of protection for legal liability.
RACQ Home Insurance provides cover against loss or damage caused by:

  • Flood and water runoff
  • Storm
  • Cyclone
  • Hail
  • Fire
  • Earthquake
  • Tsunami
  • Lightning and power surges
  • Animals
  • Impact
  • Explosion
  • Riot
  • Civil disturbance
  • Theft
  • Vandalism
  • Leaks
  • $20 million of legal liability
  • Emergency Home Assist
  • Temporary accommodation
  • Broken glass
  • Demolition
  • Design
  • Lost rent
  • Clean up costs
  • Removal of debris.

RACQ Contents Insurance

When your treasured belongings are stolen or damaged, RACQ Contents Insurance offers comprehensive cover and new for old replacement. $20 million of legal liability cover and Emergency Home Assist are once again included as standard, while your contents can also be covered while they are in transit or in storage.

Contents Insurance from RACQ provides new for old replacement, with cover for:

  • flood and water runoff
  • storm
  • cyclone
  • hail
  • fire
  • earthquake
  • tsunami
  • lightning and power surges
  • animals
  • impact
  • explosion
  • riot
  • civil disturbance
  • theft
  • vandalism
  • $20 million of legal liability
  • broken glass
  • contents in transit
  • storage costs.
Benefits Home & ContentsHomeContents


24hr Queensland call centresYesYesYes
New for old itemsYesYesYes
Pay by the monthYesYesYes
State-wide assessment servicesYesYesYes
Voluntary ExcessYesYesYes


$20 million legal liability coverYesYesYes
Additional living expensesYesNoYes
Assistance with clean-up costsYesYesYes
Campus coverYesNoYes
Cost towards security firm responseYesNoYes
Cover for broken glassYesYesYes
Cover for damage caused by emergency servicesYesYesNo
Cover for loss or damage in transitYesNoYes
Cover for loss or damage to contents in safety deposit boxesYesNoYes
Cover for loss or damage to contents in storageYesNoYes
Cover for temporary removal of contentsYesNoYes
Cover for uninsured visitor contentsYesNoYes
Credit card misuseYesNoYes
Demolition and redesign costsYesYesNo
Emergency Home AssistYesYesYes
Funeral expensesYesYesYes
Insured eventsYesYesYes
Investigating leaksYesYesNo
Loss of rentYesYesNo
Re-key, recode or replacement of locksYesYesNo
Replace documentsYesNoYes
Temporary accommodationYesYesNo
Visitor’s contentsYesNoYes
Water theftYesNoYes


Advances cover (includes motor burnout option)YesYesYes
Landlord fixtures and fittingsYesYesNo
Mortgagee’s interest in a home unitYesYesNo
Motor burnout onlyYesYesYes
Pet coverYesNoYes
Portable itemsYesNoYes
Specified itemsYesNoYes


Alarm discountYesNoYes
Apartment discountNoNoYes
Combined insurance discountYesYesYes
Multi-policy discountYesYesYes
No claim discountYesNoYes
Over 55 discountYesNoYes
RACQ member loyalty discountYesYesYes
Senior card holder discountYesYesYes
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What RACQ exclusions do I need to be wary of?

Before taking out an RACQ Home Insurance policy you should be aware that there are certain events and occurrences that are not covered under your policy. Your claim will not be paid if:

  • It is caused by actions of the sea
  • It is for loss or damage caused by birds
  • It results from you, or someone who lives with you, breaking the law
  • It arises as a result of any business you operate out of your home
  • It is caused by a government or local authority lawfully confiscating, repossessing or destroying anything
  • It is for consequential loss
  • It is for a computer virus, computer hacking or lost electronic data
  • It results from a deliberate or intentional act by you, a tenant or someone who enters the property with your consent
  • It is for erosion, landslide or subsidence, except if the landslide or subsidence occurs within 72 hours of an earthquake
  • It results from fraud or attempted fraud
  • It is for items that you have misplaced
  • You fail to maintain your home or contents in good condition
  • It is caused by pests or parasites
  • It is caused by the roots of trees or plants
  • It is a result of rust, mould, corrosion or gradual deterioration
  • It is for seepage, pollution or contamination
  • It relates to an act of war or terrorism
  • It is caused by wear and tear through normal use.
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Let's get down to brass tax, how much?

There are many factors that can influence how much you will have to pay for your RACQ Home Insurance, including:

  • How much cover do you need? The greater the sum insured, the more you’ll have to pay for cover.
  • Where do you live? Your premium will rise if you live in an area that is more likely to be affected by storms or more likely to lead to theft claims.
  • What are the specifics of your home? The age and construction of your home. The materials used to build your home and the date it was built can both affect the condition your home is in and how likely it is to suffer damage.
  • Do you want to pay an excess? You can choose to pay a higher excess in return for lower premiums.
  • Do you have any optional benefits? You’ll need to pay extra for any optional benefits you elect to add to your policy.
  • Any other factors? These can include your claims history and other events (for example a cyclone) that affect the whole insurance industry.
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What excesses apply to RACQ policies?

If you ever make a claim on your RACQ policy, you’ll need to make a contribution towards the cost of settling that claim by paying an excess. A standard excess applies when you take out your policy, though you can choose the level of excess you would like to pay and adjust your premium amount as a result. Other excesses include an earthquake excess and a pet excess for any relevant claims.

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Got any tips for paying less for RACQ Insurance?

  • Alarm discount. If you have an alarm that is monitored 24/7 by a monitoring facility, you can enjoy a 10% discount on your contents premium.
  • Apartment discount. Living in an apartment, flat, townhouse, unit or villa entitles you to a 20% discount on you contents premium.
  • Combined discount. Owner occupiers who take out a Combined Home and Contents Insurance policy can enjoy a discount of up to 13%.
  • Membership loyalty discount. RACQ members enjoy premium savings of up to 17.5%.
  • Multi policy discount. Enjoy up to a 5% discount on each policy when you have three or more qualifying policies with RACQ.
  • No claim discount. You’ll receive a discount of up to 7% if you haven’t made a claim in the last 12 months.
  • Over 55 discount. Nominated insured people who are aged 55 or older can receive up to 10% savings on their home premiums and up to 15% on their contents premium.
  • Senior card holder discount. This entitles senior card holders to up to 15% off their home premiums and up to 25% off their contents premiums.
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How do I go about making a claim?

If anything happens that could lead to a claim, you’ll need to call RACQ visit an RACQ branch as soon as possible. RACQ Insurance will then tell you what they need from you to process your claim. In most cases you will not have to fill out a claim form, but you may have to provide documentation or evidence to support your claim.

In addition, remember to take all reasonable steps to prevent any further loss or damage to your home or contents, and make sure to report any theft or vandalism immediately to the police.

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Hang on a minute, I still have some questions

Q. How can I submit a claim? 

  • A. You can notify RACQ Home Insurance of a claim by visiting one of our branches or by phoning 13 72 02.

Q. What if I change my mind about taking out cover? 

  • A. Once you have purchased an RACQ Home Insurance policy you have 21 days in which you can change your mind and cancel your cover. Cancelling your policy during this cooling-off period entitles you to a full refund of your premium.

Q. Am I covered for flood? 

  • A. Yes, RACQ policies do provide flood cover. Check your PDS to make sure you fully understand what the insurer’s definition of flood does and does not cover.

Q. Where in Australia does RACQ insure people? 

  • A. As a Queensland company, RACQ provides cover anywhere in the state of Queensland and in some areas of northern NSW.
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Okay, I'm ready to compare policies

Whether you just want cover for your building or your contents, or if you want comprehensive protection for your home and your possessions, RACQ has home insurance policies that can give you the cover you need. Just make sure to compare RACQ’s offerings with other products on the market to ensure that you end up with the right type and level of cover for your situation.

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9 Responses to RACQ Home Insurance

  1. Default Gravatar
    | April 17, 2017

    will house insurance cover my tv antenna

    • Staff
      Zubair | April 18, 2017

      Hi Roome,

      Thank you for your question.

      You have contacted finder.com.au, a comparison and information service and not actually RACQ Home Insurance.

      RACQ Home Insurance does not state anything related to tv antenna in their product disclosure statement, so you will need to contact them directly about this matter.


  2. Default Gravatar
    Beware | March 7, 2017

    I have always felt that RACQ was a trustworthy, solid brand. I had home and contents + car + pet with them last year. When I received the invoice for renewal of home and contents recently, their price increase year on year was 21% for exactly the same insurance. I called and they asked a few questions re history etc and they re-quoted so that the increase was brought down to 18%. I had a couple of conversations with them, asked to speak to supervisors etc, and was told that they had done everything they could to bring the price down but 18% increase was the best they could do. They did say that the price had gone up for many reasons, One was that the online signing up discount from last year no longer applies. Another was that they had revalued the property and the premiums reflected an approx 7% increase in their valuation of the property, therefore attracting higher premiums for the policy. After much talk about why the premiums had increased so much and how they could justify such an increase, they finally said the major amount of the increase was just that they had increased their rates. Discussions about how outraged all Australians are at a 5-6% increase in their health insurance every year, and comparing that to RACQs 18% hike went nowhere in the end. No point event talking to them. So BEWARE – make sure you check the $$ from year to year, and vote with your feet, like I did.

  3. Default Gravatar
    Virginia | February 13, 2017

    We have had power out since 5pm due to a bad storm, it is now 7.40 , how long have I got til my food is no longer any good in fridge/ freezer, and can I claim perishables

    Kind regards

    • Staff
      Zubair | February 14, 2017

      Hi Virginia,

      Thanks for getting in touch. If you have home and contents insurance with RACQ you may have cover for spoiled frozen and refrigerated goods if the damage is caused by an insured event such as the public electricity supply failing at your home.

      You will need to contact RACQ directly about this matter to find out if and when you will be covered as cover levels can vary from policy to policy. You should also review your policy document if you can find it.

      All the best,

  4. Default Gravatar
    Pam | October 15, 2016

    I have a house that is worth about 300,000. I am presently paying over $2,000 a year in insurance. Can RACQ do me a better deal. My postcode is 4881.

    • Staff
      Richard | October 17, 2016

      Hi Pam,

      Thanks for getting in touch. finder.com.au is a comparison service and does not currently have access to this RACQ home insurance. To compare the brands in our panel, please head over to our home insurance home page.

      All the best,

  5. Default Gravatar
    Tim | June 24, 2015

    What is covered if my house is tenanted, fully furnished and I have home and contents insurance

    • Staff
      Richard | June 24, 2015

      Hi Tim,

      Thanks for your question. It will depend on your policy. finder.com.au is a comparison service and does not have an affiliation with RACQ. If you would like to find out about the specifics of your policy, your best bet would be to contact RACQ directly.

      I hope this was helpful,

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