Home Cover - Buildings
QBE Home and Contents Insurance can cover your property and belongings in case of fire, storm damage, theft and more. 24/7 friendly and helpful claims service. Up to $30 million legal liability cover. Temporary accommodation costs for up to two years if your home isn’t liveable.
- Main events covered
-
Fire -
Theft -
Storm -
Flood
-
Monthly payments cost extra
-
yes
-
Underinsurance protection
-
Optional Extra - Up to 30% of buildings sum insured, applied automatically for eligible policies
-
New for old replacement
-
Yes
- Underinsurance protection
-
Optional Extra - Up to 30% of buildings sum insured, applied automatically for eligible policies
- 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
-
Yes
- Power surge
-
Optional Extra
- Accidental loss and damage
-
Optional Extra
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
No
- 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 $2,500
- Emergency storage
-
No
- Temporary accommodation
-
Up to 24 months, up to 20% of sum insured combined with temporary accommodation for pets
- Temporary accommodation for pets
-
Up to 24 months, up to 20% of sum insured combined with temporary accommodation
- Temporary repairs
-
Yes
- Buildings and structural improvements
-
Yes
- Building materials
-
Up to $2,000
- Demolition cost
-
Yes, combined with building costs
- Debris removal
-
Yes, combined with building costs
- Landscaping
-
No
- Gates and fences
-
Yes
- Legal liability cover
-
Up to $30,000,000
- Days unoccupied until cover stops
-
90
- Other restrictions
-
-
- Other benefits
-
-
Home Cover - Contents
QBE Home and Contents Insurance can cover your property and belongings in case of fire, storm damage, theft and more. 24/7 friendly and helpful claims service. Up to $30 million legal liability cover. Temporary accommodation costs for up to two years if your home isn’t liveable.
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
yes
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
- 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
-
Yes
- Power surge
-
Optional Extra
- Accidental loss and damage
-
Optional Extra
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
No
- Monthly payments cost extra
-
yes
- General contents
-
Yes
- Contents while moving
-
Yes
- Antiques and valuables
-
Up to $20,000 per item, set or pair of artworks or antiques. Up to $5,000 per collection.
- Cash
-
Up to $800
- Cd dvd and electronic files
-
Up to $1,000 for electronic files and software
- Computer software and hardware
-
Yes - hardware. Up to $1,000 for software.
- Camera and accessories
-
Yes
- Carpets
-
Yes
- Home office contents
-
Yes
- Identity theft
-
No
- Jewellery
-
Up to $2,500 per item, set or pair
- Personal medical equipment
-
Yes
- Replacement of documents
-
Up to $800
- Tools of trade
-
Up to $5,000
- Lock replacement
-
Up to $2,500
- Emergency storage
-
Up to 24 months, up to 20% of contents sum insured.
- Temporary accommodation
-
No
- Temporary accommodation for pets
-
No
- Temporary repairs
-
Yes
- Buildings and structural improvements
-
No
- Building materials
-
No
- Demolition cost
-
No
- Debris removal
-
No
- Landscaping
-
No
- Gates and fences
-
No
- Legal liability cover
-
Up to $30,000,000
- Days unoccupied until cover stops
-
90
- Other restrictions
-
-
- Other benefits
-
-
Home Cover - Buildings & Contents
QBE Home and Contents Insurance can cover your property and belongings in case of fire, storm damage, theft and more. 24/7 friendly and helpful claims service. Up to $30 million legal liability cover. Temporary accommodation costs for up to two years if your home isn’t liveable.
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
yes
-
Underinsurance protection
-
Optional Extra - Up to 30% of buildings sum insured, applied automatically for eligible policies
-
New for old replacement
-
Yes
- Underinsurance protection
-
Optional Extra - Up to 30% of buildings sum insured, applied automatically for eligible policies
- 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
-
Yes
- Power surge
-
Optional Extra
- Accidental loss and damage
-
Optional Extra
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
No
- Monthly payments cost extra
-
yes
- General contents
-
Yes
- Contents while moving
-
Yes
- Antiques and valuables
-
Up to $20,000 per item, set or pair of artworks or antiques. Up to $5,000 per collection.
- Cash
-
Up to $800
- Cd dvd and electronic files
-
Up to $1,000 for electronic files and software
- Computer software and hardware
-
Yes - hardware. Up to $1,000 for software.
- Camera and accessories
-
Yes
- Carpets
-
Yes
- Home office contents
-
Yes
- Identity theft
-
No
- Jewellery
-
Up to $2,500 per item, set or pair
- Personal medical equipment
-
Yes
- Replacement of documents
-
Up to $800
- Tools of trade
-
Up to $5,000
- Lock replacement
-
Up to $2,500
- Emergency storage
-
Up to 24 months, up to 20% of contents sum insured.
- Temporary accommodation
-
Up to 24 months, up to 20% of buildings sum insured combined with temporary accommodation for pets
- Temporary accommodation for pets
-
Up to 24 months, up to 20% of buildings sum insured combined with temporary accommodation
- Temporary repairs
-
Yes
- Buildings and structural improvements
-
Yes
- Building materials
-
Up to $2,000
- Demolition cost
-
Yes, combined with building costs
- Debris removal
-
Yes, combined with building costs
- Landscaping
-
No
- Gates and fences
-
Yes
- Legal liability cover
-
Up to $30,000,000
- Days unoccupied until cover stops
-
90
- Other restrictions
-
-
- Other benefits
-
-
Your selected home insurance
QBE home insurance ratings
Customer reviews
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QBE's Lack of Empathy
QBE's Lack of Empathy and Unjustified Premium IncreaseDisappointed with QBE's Lack of Empathy and Unjustified Premium Increase I'm extremely disappointed with my recent experience with QBE. Despite a significant claim due to a severe storm and subsequent power outage, QBE has chosen to penalize me with a staggering $5265 premium increase. This feels incredibly unfair, especially considering the circumstances were beyond my control. The customer service representative I spoke to was dismissive and unsympathetic. They seemed more concerned with the timing of my call than understanding my situation. It's disheartening to see such a lack of empathy from a company that claims to value its customers. I urge QBE to reconsider this excessive premium increase and treat their loyal customers with more respect and understanding.
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Responsible and easy to deal with
Defence service, has the QBE insure acne as underwriters to the defence service people, so far we have had good service and few reasons to call them, I guess we are lucky in that. But when we have had reason for their service they were easy and good to manage and understand our need s.
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Does not follow their wording in the policy
Avoid at all costs! Made a claim with QBE and they denied stating poor workmanship by previous owners. There was a very large sudden flow of water (covered for in the policy) which caused the damage. This was explained to QBE, yet no mention of it anywhere in the paperwork for why they are denying the claim. Bottom line: QBE will not cover for what is in the policy and find an excuse to get out of it.
FAQs about QBE home insurance
How to make a claim on my QBE home insurance policy
As soon as an incident occurs that you believe is covered by your QBE home insurance policy, you must take reasonable steps to reduce further loss or damage, or report the incident to the police if necessary. After you’ve taken those steps, then you can call QBE on 133 723 or lodge your claim through the QBE website.
More information about the claims process and the sports of documents or information you may need, depending on the nature of your insurance claim, can be found in the QBE home insurance PDS.
Is there a cooling-off period for QBE home insurance?
There is a 21-day cooling-off period, in which you can cancel your QBE insurance policy and receive a full refund, provided you haven’t made a claim under your policy. But once it’s cancelled, you’ll have no coverage under the policy, so make sure you compare home insurance policies to protect yourself before you pull the plug on your policy.
How to cancel my QBE home insurance policy
You can cancel your QBE home insurance policy at any time by contacting them and requesting a cancellation. If you’ve paid your premium in advance, you may even receive a partial refund of the unused portion of your policy, minus any non-refundable government fees, duties, or charges.
QBE products
Home insurance quick links
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