8.2/10

Based on 1456 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 15 June 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 157 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 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 8 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

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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 8 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 about 1 year ago
RACQ Contents Insurance
Overall 1/10
Racq unethical and don’t pay

I would never recommend this company. I looked at the other reviews and I don’t believe they are kosher. All the people have written them have not had need to claim. Three years on, and Racq has still not settled a claim for my family member who had insurance with this company. When she made the claim, they told her she was not covered. Upon speaking to another insurer, they advised her to go back to Racq because she was covered under the policy. Nearly a year later, and they still have not resolved the IRD. She escalated this to the CEOs office who, promised to settle the claim in early April and still have not. She lost all her belongings and had to go into living into temporary commendation. The huge financial strain has been enormous. To date she has dealt with seven people in Racq all promising to resolve the claim and no one has. She has now received a really offensive email from the in-house solicitor who has made the claim experience extremely difficult and declared to pay out the claim she needs better pictures of all items lost and quibbling about petty amounts of money when she lost everything . He has also demonstrated very unethical behaviour. I certainly would never recommend this company after seeing what they have put my friend through. The culture of it is not to pay at any cost to their customer who pays for the insurance . She is dealing with the ceos office and like any company the culture is set at the top.

Read full review

I would never recommend this company. I looked at the other reviews and I don’t believe they are kosher. All the people have written them have not had need to claim. Three years on, and Racq has still not settled a claim for my family member who had insurance with this company. When she made the claim, they told her she was not covered. Upon speaking to another insurer, they advised her to go back to Racq because she was covered under the policy. Nearly a year later, and they still have not resolved the IRD. She escalated this to the CEOs office who, promised to settle the claim in early April and still have not. She lost all her belongings and had to go into living into temporary commendation. The huge financial strain has been enormous. To date she has dealt with seven people in Racq all promising to resolve the claim and no one has. She has now received a really offensive email from the in-house solicitor who has made the claim experience extremely difficult and declared to pay out the claim she needs better pictures of all items lost and quibbling about petty amounts of money when she lost everything . He has also demonstrated very unethical behaviour. I certainly would never recommend this company after seeing what they have put my friend through. The culture of it is not to pay at any cost to their customer who pays for the insurance . She is dealing with the ceos office and like any company the culture is set at the top.

Value for money
1/10
Policy coverage
1/10
Customer service
1/10
Claims handling
1/10
Trust
1/10
Less
Jj, New South Wales, reviewed about 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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