8.2/10

Based on 1459 RACQ product reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.

RACQ home insurance

RACQ is owned by members to benefit members. It is a member-owned insurance provider and bank with a 100-year history, helping Queenslanders wherever they can.

A multiple 2021 Mozo People's Choice Award winner, RACQ offer customised Home Insurance policies to help protect the things most valuable to you with a trusted 24/7 claims service and discount for purchasing online.

RACQ offers the following home insurance

Cover information and limits in the table below verified as correct at 14 September 2024. Other information correct at the time of writing.
Advertiser disclosure.

Product Main Events covered Monthly payments cost extra Underinsurance protection New for old replacement
Contents Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

Yes

No

Yes

Home & Contents Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

Yes

No

Yes

Home Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

Yes

No

Yes

How is RACQ home insurance rated?

Mozo users have rated RACQ home insurance on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of home-insurances
RACQ home insurance customer reviews
Overall
8.1/10
Value for money
7.6/10
Policy coverage
7.9/10
Customer service
8.2/10
Claims handling
7.6/10
Trust
7.9/10
Based on 158 RACQ product reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

Recent RACQ home insurance reviews

RACQ Home & Contents Insurance
Overall 10/10
All repairs for both home and car claims have been

When we had hail damage to solar panels, RACQ paid replacement . Any time we have had an accident with a car the repairs had been done promptly and repaired well, no problems at all dealing with staff face to face or online, All staff have been very helpful and courteous, even when booking holidays through them!

Read full review

When we had hail damage to solar panels, RACQ paid replacement . Any time we have had an accident with a car the repairs had been done promptly and repaired well, no problems at all dealing with staff face to face or online, All staff have been very helpful and courteous, even when booking holidays through them!

Value for money
10/10
Policy coverage
10/10
Customer service
10/10
Claims handling
10/10
Trust
10/10
Less
Anne, Queensland, reviewed 3 days ago
RACQ Home & Contents Insurance
Overall 8/10
RACQ trust worthy insurance

Trusted Qld Company whongive alot back to the community. Easy and transparent to deal with and don't decline claims easily. They also offer discount incentives for members and product bundling.

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Trusted Qld Company whongive alot back to the community. Easy and transparent to deal with and don't decline claims easily. They also offer discount incentives for members and product bundling.

Value for money
6/10
Policy coverage
7/10
Customer service
7/10
Claims handling
7/10
Trust
9/10
Less
Catherine, Queensland, reviewed 11 months ago
RACQ Home & Contents Insurance
Overall 8/10
Feel confident insuring with RACQ.

Phone staff clear and concise no overseas call centre. Keeps us informed when dealing with claims Genuine Australian business

Read full review

Phone staff clear and concise no overseas call centre. Keeps us informed when dealing with claims Genuine Australian business

Value for money
5/10
Policy coverage
5/10
Customer service
6/10
Claims handling
8/10
Trust
8/10
Less
Karen, Queensland, reviewed 11 months ago
RACQ Home Insurance
Overall 4/10
Excellent - if you can afford them!

Our kitchen had water through it and RACQ was excellent to claim with. They followed up our complaints when the builder didn't provide an adequate assessment. Sadly, they became too expensive to continue staying with. Approximately two thousand dollars more expensive than other insurances!

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Our kitchen had water through it and RACQ was excellent to claim with. They followed up our complaints when the builder didn't provide an adequate assessment. Sadly, they became too expensive to continue staying with. Approximately two thousand dollars more expensive than other insurances!

Value for money
2/10
Policy coverage
7/10
Customer service
9/10
Claims handling
10/10
Trust
10/10
Less
Alice, Queensland, reviewed over 1 year ago
See all home insurance reviews
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.
Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.

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