Name: RACQ home insurance
Brand: RACQ
Rating: 4.0 (165 reviews)

RACQ home insurance

Home Insurance
Main events covered

Fire

Theft

Storm

Flood

Monthly payments cost extra

Yes

Underinsurance protection

No

New for old replacement

Yes
No Partner link

Underinsurance protection

No

New for old

Yes

Building cover

Contents cover

n/a

Fire

Yes

Theft or burglary

Yes

Storm

Yes

Flood

Yes

Lightning

Yes

Earthquake

Yes

Storm surge

Yes

Fusion

Optional Extra, up to 10 years old

Power surge

No

Accidental loss and damage

Optional Extra

Accidental breakage of glass

No

Death and injury cover

Up to $5,000 for funeral

Monthly payments cost extra

Yes

General contents

No

Contents while moving

No

Antiques and valuables

No

Cash

No

Cd dvd and electronic files

No

Computer software and hardware

No

Camera and accessories

No

Carpets

No

Home office contents

No

Identity theft

No

Jewellery

No

Personal medical equipment

No

Replacement of documents

No

Tools of trade

No

Lock replacement

Up to $1,000

Emergency storage

No

Temporary accommodation

Up to 12 months, up to 10% of sum insured

Temporary accommodation for pets

No

Temporary repairs

No

Buildings and structural improvements

Yes

Building materials

No

Demolition cost

Up to 20% of sum insured combined with debris removal cost

Debris removal

Up to 20% of sum insured combined with demolition cost

Landscaping

Up to $1,000 for plants

Gates and fences

Yes - Up to 50% of the total cost, up to 2km

Legal liability cover

Up to $20,000,000

Days unoccupied until cover stops

60

Other restrictions

-

Other benefits

-

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Contents Insurance
Main events covered

Fire

Theft

Storm

Flood

Monthly payments cost extra

Yes

Underinsurance protection

No

New for old replacement

Yes
No Partner link

Underinsurance protection

No

New for old

Yes

Building cover

n/a

Contents cover

Fire

Yes

Theft or burglary

Yes

Storm

Yes

Flood

Yes

Lightning

Yes

Earthquake

Yes

Storm surge

Yes

Fusion

Optional Extra, up to 10 years old

Power surge

No

Accidental loss and damage

Optional Extra

Accidental breakage of glass

Yes

Death and injury cover

Up to $5,000 for funeral

Monthly payments cost extra

Yes

General contents

Yes

Contents while moving

Yes

Antiques and valuables

Up to $2,000 per item, up to $12,000 in total

Cash

Up to $300

Cd dvd and electronic files

Up to $5,000

Computer software and hardware

Hardware yes, software up to $5,000 combined with CDs/DVDs

Camera and accessories

Up to $2,000

Carpets

Yes - limits apply for carpets over 10 years old

Home office contents

Up to $10,000

Identity theft

No

Jewellery

Up to $2,000 per item, up to $6,000 in total

Personal medical equipment

Yes

Replacement of documents

Up to $1,000

Tools of trade

Up to $2,000

Lock replacement

Up to $1,000

Emergency storage

Up to 10% of sum insured

Temporary accommodation

No

Temporary accommodation for pets

No

Temporary repairs

No

Buildings and structural improvements

No

Building materials

No

Demolition cost

Up to 20% of sum insured combined with debris removal cost

Debris removal

Up to 20% of sum insured combined with demolition cost

Landscaping

No

Gates and fences

No

Legal liability cover

Up to $20,000,000

Days unoccupied until cover stops

60

Other restrictions

-

Other benefits

-

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Home & Contents Insurance
Main events covered

Fire

Theft

Storm

Flood

Monthly payments cost extra

Yes

Underinsurance protection

No

New for old replacement

Yes
No Partner link

Underinsurance protection

No

New for old

Yes

Building cover

Contents cover

Fire

Yes

Theft or burglary

Yes

Storm

Yes

Flood

Yes

Lightning

Yes

Earthquake

Yes

Storm surge

Yes

Fusion

Optional Extra, up to 10 years old

Power surge

No

Accidental loss and damage

Optional Extra

Accidental breakage of glass

Yes

Death and injury cover

Up to $5,000 for funeral

Monthly payments cost extra

Yes

General contents

Yes

Contents while moving

Yes

Antiques and valuables

Up to $2,000 per item, up to $12,000 in total

Cash

Up to $300

Cd dvd and electronic files

Up to $5,000

Computer software and hardware

Hardware yes, software up to $5,000 combined with CDs/DVDs

Camera and accessories

Up to $2,000

Carpets

Yes - limits apply for carpets over 10 years old

Home office contents

Up to $10,000

Identity theft

No

Jewellery

Up to $2,000 per item, up to $6,000 in total

Personal medical equipment

Yes

Replacement of documents

Up to $1,000

Tools of trade

Up to $2,000

Lock replacement

Up to $1,000

Emergency storage

Up to 10% of sum insured

Temporary accommodation

Up to 12 months, up to 10% of sum insured

Temporary accommodation for pets

No

Temporary repairs

No

Buildings and structural improvements

Yes

Building materials

No

Demolition cost

Up to 20% of sum insured combined with debris removal cost

Debris removal

Up to 20% of sum insured combined with demolition cost

Landscaping

Up to $1,000 for plants

Gates and fences

Yes - Up to 50% of the total cost, up to 2km

Legal liability cover

Up to $20,000,000

Days unoccupied until cover stops

60

Other restrictions

-

Other benefits

-

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Showing 3 results from 14 home insurance policies. Use the filters to see more

Customer reviews

Jarrad

Queensland - 4 months ago

2.5

Very competive cover

Good comprehensive insurance great customer service

Price

1.5
Features

4.5
Service

2.5
Convenience

2.5
Trust

2.5

Sunita

Queensland - 5 months ago

Product name: Home & Contents Insurance

3.5

Fantastic

RACQ is very good. I’ve been in with them for years but if you have financial difficulties they will not help you. They want the full money back straight away but other than that I would recommend to anybody.

Price

3.0
Features

3.5
Service

4.0
Convenience

3.5
Trust

3.5

Johnathon

Queensland - 9 months ago

Product name: Home & Contents Insurance

2.0

2023 policy change questions viability of policy's

They introduced a new policy for assessing risk in November 2023, this has significantly impacted the cost of all their premiums, the issue is no one can get to the bottom of what has changed and why premiums have doubled or more to the point no one is looking into or providing answers, which has not been my previous experience in past years, this leaves me to believing their is a fundamental change occurring making me doubt they will be forthcoming with any claim I may need to make in the future. They have previously be open and honest about any significant changes in policy along with been really good to deal with any enquiry or claim, the first part of this no long seems to be the case which means the important part may not be the case as well, this is unfortunate as Insurance is about faith in their product and if it's worth the cost of the policy, which after over a decade I'm not sure I have the faith and feel it's time to take a gamble on another provider, which is disappointing.

Price

1.0
Service

4.5
Convenience

4.5
Trust

3.0

Parisa

Queensland - 9 months ago

Product name: Home & Contents Insurance

0.5

Not recommended, save yourself

RACQ Home Insurance deserves zero stars for their appalling handling of my recent claim. When an iron fell onto my couch, burning my hand in the process, we filed a claim. Initially, RACQ accepted it, but then they reversed their decision, rejecting the claim because the couch was "melted, not burnt." This excuse is beyond frustrating. Were we supposed to let it burn down to meet their technicalities? This company clearly lacks compassion and common sense. A genuine accident occurred, resulting in damage to the couch, yet they backtracked and left us with no support. Save yourself the hassle and look elsewhere for home insurance – RACQ does not prioritise its customers or their needs.

Price

0.5
Features

0.5
Service

0.5
Convenience

0.5
Trust

0.5

Dolunay

Queensland - 9 months ago

0.5

RACQ Terrible insurance

RACQ Home Insurance deserves zero stars for their appalling handling of my mother’s recent claim. When an iron fell onto her couch, burning her hand in the process, we filed a claim. Initially, RACQ accepted it, but then they reversed their decision, rejecting the claim because the couch was "melted, not burnt." This excuse is beyond frustrating. Were we supposed to let it burn down to meet their technicalities? This company clearly lacks compassion and common sense. A genuine accident occurred, resulting in damage to the couch, yet they backtracked and left us with no support. Save yourself the hassle and look elsewhere for home insurance – RACQ does not prioritize its customers or their needs.

Price

0.5
Features

0.5
Service

0.5
Convenience

0.5
Trust

0.5

Christine

Queensland - 9 months ago

Product name: Home & Contents Insurance

5.0

Great support during a stressful time

During storms last summer, power surges blew up our fridge. I filled in an online claim and received a phone call 3 days later. My claim was accepted on my replacement cost without any resistance.

Price

5.0
Features

5.0
Service

5.0
Convenience

5.0

Lisa

Queensland - 10 months ago

Product name: Home Insurance

5.0

RACQ HIGHLY RECOMMENDED!

I first joined RACQ 26 years ago for roadside assistance and years later I decided to insure my car and home and contents. By combining all of these into a package I received a discount on the cost of my policies. They also offer a loyalty discount the longer you stay with them. I have only ever made one insurance claim for damage to my house that was done on a very busy day when moving house. While moving out of the house the truck made contact with the house and a repair was needed. The day we were moving house was quite stressful and was made even more stressful by the damage done to the house. Upon ringing the RACQ the customer service was excellent. They reassured me that the damage would be repaired ASAP and the lady on the phone offered some reassuring and kind words that helped to relieve my stress. The RACQ was true to their word and they were In constant contact with me over the next few weeks and made sure the work was completed to a high standard. Because the repair was on the outside of the house I didn't even need to be present while the repair was being done which made it whole process even easier. I would highly recommend the RACQ to others. For years I plodded along with my insurance never making any claims but it's good to know that when it came down to it and the day came that I needed to make an insurance claim it was handled exceptionally well.

Price

4.0
Features

4.5
Service

5.0
Convenience

5.0
Trust

4.5

Anne

Queensland - 10 months ago

Product name: Home & Contents Insurance

5.0

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!

Price

5.0
Features

5.0
Service

5.0
Convenience

5.0
Trust

5.0

Karen

Queensland - over 1 year ago

Product name: Home & Contents Insurance

4.0

Feel confident insuring with RACQ.

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

Price

2.5
Features

2.5
Service

3.0
Convenience

4.0
Trust

4.0

Catherine

Queensland - over 1 year ago

Product name: Home & Contents Insurance

4.0

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.

Price

3.0
Features

3.5
Service

3.5
Convenience

3.5
Trust

4.5

Disclaimer

Who we are and how we get paid

Our goal at Mozo is to help you make smart financial decisions and our award-winning comparison tools and services are provided free of charge. As a marketplace business, we do earn money from advertising and this page features products with Go To Site links and/or other paid links where the provider pays us a fee if you go to their site from ours, or you take out a product with them. You do not pay any extra for using our service.

We are proud of the tools and information we provide and unlike some other comparison sites, we also include the option to search all the products in our database, regardless of whether we have a commercial relationship with the providers of those products or not.

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Learn more about Mozo.

Disclaimer

Important information on terms, conditions and sub-limits

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

J

Jarrad

Queensland - 4 months ago

2.5

Very competive cover

Good comprehensive insurance great customer service
- Price
  
  1.5
- Features
  
  4.5
- Service
  
  2.5
- Convenience
  
  2.5
- Trust
  
  2.5
S

Sunita

Queensland - 5 months ago
Product name: Home & Contents Insurance

3.5

Fantastic

RACQ is very good. I’ve been in with them for years but if you have financial difficulties they will not help you. They want the full money back straight away but other than that I would recommend to anybody.
- Price
  
  3.0
- Features
  
  3.5
- Service
  
  4.0
- Convenience
  
  3.5
- Trust
  
  3.5
J

Johnathon

Queensland - 9 months ago
Product name: Home & Contents Insurance

2.0

2023 policy change questions viability of policy's

They introduced a new policy for assessing risk in November 2023, this has significantly impacted the cost of all their premiums, the issue is no one can get to the bottom of what has changed and why premiums have doubled or more to the point no one is looking into or providing answers, which has not been my previous experience in past years, this leaves me to believing their is a fundamental change occurring making me doubt they will be forthcoming with any claim I may need to make in the future. They have previously be open and honest about any significant changes in policy along with been really good to deal with any enquiry or claim, the first part of this no long seems to be the case which means the important part may not be the case as well, this is unfortunate as Insurance is about faith in their product and if it's worth the cost of the policy, which after over a decade I'm not sure I have the faith and feel it's time to take a gamble on another provider, which is disappointing.
- Price
  
  1.0
- Service
  
  4.5
- Convenience
  
  4.5
- Trust
  
  3.0
P

Parisa

Queensland - 9 months ago
Product name: Home & Contents Insurance

0.5

Not recommended, save yourself

RACQ Home Insurance deserves zero stars for their appalling handling of my recent claim. When an iron fell onto my couch, burning my hand in the process, we filed a claim. Initially, RACQ accepted it, but then they reversed their decision, rejecting the claim because the couch was "melted, not burnt." This excuse is beyond frustrating. Were we supposed to let it burn down to meet their technicalities? This company clearly lacks compassion and common sense. A genuine accident occurred, resulting in damage to the couch, yet they backtracked and left us with no support. Save yourself the hassle and look elsewhere for home insurance – RACQ does not prioritise its customers or their needs.
- Price
  
  0.5
- Features
  
  0.5
- Service
  
  0.5
- Convenience
  
  0.5
- Trust
  
  0.5
D

Dolunay

Queensland - 9 months ago

0.5

RACQ Terrible insurance

RACQ Home Insurance deserves zero stars for their appalling handling of my mother’s recent claim. When an iron fell onto her couch, burning her hand in the process, we filed a claim. Initially, RACQ accepted it, but then they reversed their decision, rejecting the claim because the couch was "melted, not burnt." This excuse is beyond frustrating. Were we supposed to let it burn down to meet their technicalities? This company clearly lacks compassion and common sense. A genuine accident occurred, resulting in damage to the couch, yet they backtracked and left us with no support. Save yourself the hassle and look elsewhere for home insurance – RACQ does not prioritize its customers or their needs.
- Price
  
  0.5
- Features
  
  0.5
- Service
  
  0.5
- Convenience
  
  0.5
- Trust
  
  0.5
C

Christine

Queensland - 9 months ago
Product name: Home & Contents Insurance

5.0

Great support during a stressful time

During storms last summer, power surges blew up our fridge. I filled in an online claim and received a phone call 3 days later. My claim was accepted on my replacement cost without any resistance.
- Price
  
  5.0
- Features
  
  5.0
- Service
  
  5.0
- Convenience
  
  5.0
L

Lisa

Queensland - 10 months ago
Product name: Home Insurance

5.0

RACQ HIGHLY RECOMMENDED!

I first joined RACQ 26 years ago for roadside assistance and years later I decided to insure my car and home and contents. By combining all of these into a package I received a discount on the cost of my policies. They also offer a loyalty discount the longer you stay with them. I have only ever made one insurance claim for damage to my house that was done on a very busy day when moving house. While moving out of the house the truck made contact with the house and a repair was needed. The day we were moving house was quite stressful and was made even more stressful by the damage done to the house. Upon ringing the RACQ the customer service was excellent. They reassured me that the damage would be repaired ASAP and the lady on the phone offered some reassuring and kind words that helped to relieve my stress. The RACQ was true to their word and they were In constant contact with me over the next few weeks and made sure the work was completed to a high standard. Because the repair was on the outside of the house I didn't even need to be present while the repair was being done which made it whole process even easier. I would highly recommend the RACQ to others. For years I plodded along with my insurance never making any claims but it's good to know that when it came down to it and the day came that I needed to make an insurance claim it was handled exceptionally well.
- Price
  
  4.0
- Features
  
  4.5
- Service
  
  5.0
- Convenience
  
  5.0
- Trust
  
  4.5
A

Anne

Queensland - 10 months ago
Product name: Home & Contents Insurance

5.0

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!
- Price
  
  5.0
- Features
  
  5.0
- Service
  
  5.0
- Convenience
  
  5.0
- Trust
  
  5.0
K

Karen

Queensland - over 1 year ago
Product name: Home & Contents Insurance

4.0

Feel confident insuring with RACQ.

Phone staff clear and concise no overseas call centre. Keeps us informed when dealing with claims Genuine Australian business
- Price
  
  2.5
- Features
  
  2.5
- Service
  
  3.0
- Convenience
  
  4.0
- Trust
  
  4.0
C

Catherine

Queensland - over 1 year ago
Product name: Home & Contents Insurance

4.0

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.
- Price
  
  3.0
- Features
  
  3.5
- Service
  
  3.5
- Convenience
  
  3.5
- Trust
  
  4.5

RACQ home insurance

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