Having the appropriate insurance is important when it comes to safeguarding your home, which is your most significant possession. The Royal Automobile Club of Queensland (RACQ) offers a product called RACQ Home Insurance, which you have undoubtedly heard of if you live in Queensland. However, is it the best option for you?
We’ll go over the specifics of RACQ Home Insurance in this piece, including what makes it unique and why so many Australian homeowners rely on it for peace of mind.
What is RACQ Home Insurance?
RACQ Home Insurance is a product designed to help Queensland homeowners and renters protect their homes and belongings from unexpected events like storms, floods, fire, and theft. It includes a range of flexible cover options, so you can tailor your policy to suit your lifestyle and budget.
Whether you’re insuring a standalone house, a townhouse, or an apartment, RACQ offers two main types of home insurance:
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Home Insurance (building only)
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Home and Contents Insurance (building + your belongings)
You can also choose Contents Insurance only if you’re renting or living in shared accommodation.
Key Features of RACQ Home Insurance
Storm, Fire, and Flood Cover
Living in Queensland means wild weather is always a risk. RACQ covers natural disasters, including floods, which isn’t always standard with other insurers.
Temporary Accommodation
If your home becomes unliveable due to an insured event, RACQ can cover the cost of temporary accommodation, helping reduce stress during tough times.
Flexible Excess Options
You can customise your excess amount to suit your premium. A higher excess often means a lower premium—ideal if you’re comfortable with a higher out-of-pocket cost in the rare event of a claim.
24/7 Claims Support
RACQ offers round-the-clock support, so you can file a claim anytime—day or night.
Optional Add-Ons
You can add extras like accidental damage cover or personal valuables cover (for things you take outside the home like laptops, jewellery, or bikes).
Benefits of Choosing RACQ
Local Knowledge
RACQ is a Queensland-based organisation, so they truly understand the unique challenges homeowners face in the region—from cyclones to tropical storms.
Trusted Trades Network
When you make a claim, RACQ can connect you with reliable local tradespeople for repairs. No more scrambling to find someone trustworthy.
Member Benefits
Being insured with RACQ also gives you access to a bunch of discounts and offers through their member rewards program. Think discounted fuel, movie tickets, and more.
RACQ Home Insurance Reviews: What Are People Saying?
RACQ generally scores well in customer reviews for its friendly service and smooth claims process. Customers often praise their quick response times and helpful staff during emergencies—two things that matter most when disaster strikes.
That said, as with any insurance, there are mixed reviews. Some users mention higher premiums compared to national competitors, so it’s always smart to get a few quotes and compare.
Is RACQ Home Insurance Right for You?
If you live in Queensland and want insurance from a local, trusted provider that truly understands the state’s climate and risks, RACQ Home Insurance is a solid choice. It’s not always the cheapest option out there, but the level of coverage and customer service may justify the cost for many households.
Before you commit, be sure to:
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Compare policies and inclusions
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Review the Product Disclosure Statement (PDS)
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Consider your location’s risk level for flood or storm damage