Qantas home insurance

What does Qantas Home Insurance cover?

While there’s a range  of events and items covered by Qantas Home Insurance, what’s included in your policy will depend on the level of insurance you take out. Landlords insurance will naturally differ from insurance cover for renters. As a homeowner, you might choose to just cover your home’s structure, the belongings within it, or get combined coverage with a home and contents insurance policy.

See below for the major coverage points of Qantas’ Home Building Insurance and its Contents Insurance, which you can take out under a single policy. However, be sure to check your policy product disclosure statement (PDS) as there will be limits and certain criteria you and your situation may need to meet in order for a claim to be accepted. 

Qantas Home Building Insurance inclusions:*

• Home repair or replacement (up to the sum you’ve insured your home’s structure for). This includes internal elements of your home if they become damaged, like benchtops.

• Damage caused by storms, lightning and rainwater (but not flooding unless specifically chosen as an optional extra ) as well as escaped liquid caused by things like burst pipes.

• Any malicious damage, as well as if the property is affected by a theft or attempted theft.

• Temporary accommodation for up to a year if your home is unlivable. 

• Demolition and removal of debris.

Qantas Contents Insurance inclusions:*

• Hand-woven carpets and rugs (up to $5,000 per item).

• Cash, cheques, and any other financial document (up to $800 in total).

• Electronics like game consoles, computer software, DVDs, flash cards, digital media cards and more (up to $3,000 in total).

• Legally registered and stored firearms (up to $2,000 in total).

• Home office equipment (up to $15,000 in total).

• Jewellery and watches (up to $1,000 per item or set, up to $5,000 in total), plus other silver and gold items (up to $2,000 per item or set).

• Artworks (up to $10,000 per item or set, and up to $25,000 in total).

• Collections and memorabilia (up to $2,000 per item or collection).

• Tools of trade (up to $2,000 in total).

You may be able to increase the pay-out limits on some items if your belongings are of greater value – just remember this may increase your premium. Similarly, for a premium bump-up you can also choose to add on optional extras to your policy so it’s tailored to cover exactly what you and your home need. Some optional extras you can add on to your Qantas policy include cover for flooding and motor burnout, commercial storage cover, and accidental damages beyond the standard events covered in the policy.

* 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.

How much does Qantas Home Insurance cost?

Like most insurance policies, your Qantas Home Insurance premium is based on a range of factors including the location of your home (and relevant risks of that area), the value you insure your home and belongings for and whether or not you include optional extras. It can also be impacted by your insurance history and any discounts you might be eligible for.

Can I reduce my Qantas Home Insurance premium?

Yes, you can access a 15% discount on your Qantas Home Insurance premium simply by taking out a combined home and contents insurance policy (T&Cs apply). This would be suitable for homeowners living at their property, so they can secure both their belongings and the structure of their home under the one policy.

How do I earn Qantas Points with Qantas Home Insurance?

One of the standout features of Qantas Insurance policies is that policyholders can accrue up to 20,000 Qantas Points when they take out a new  Qantas Home Insurance policy.   The minimum premium is $1550 to earn 20,000 points, which you’ll be able to access after 60 days of holding the policy. 

You can also earn up to 2,600 Qantas points each year, via the Qantas Wellbeing app. You rack up these points by completing home safety checks (like having fire alarms inspected and home security protections in place) as well as meeting sleep goals – all of which can be monitored via the app. You’ll need to be a member of the Qantas Frequent Flyer program to access this, and if you’re not yet, the joining fee for the program will be waived if you download the app. Terms and Conditions apply to each of the point offers. 

How do I claim on Qantas Home Insurance?

Start with the essentials: make sure you’re safe and you’ve reported damages or crimes to the relevant authority.

Then, you’ll want to call Qantas Insurance on 13 49 60 to inform them about the claim. You can make your claim over the phone, following the steps the customer service rep you need to take to provide evidence of damages. Or lodge the claim online with supporting evidence (like photographs and police reports).

You should hear back within 2 days about whether or not the claim has been accepted, or if an assessment is needed or if you need to provide more information. If the claim is accepted, Qantas Insurance will help organise the next steps to repair or replace your belongings and home.

Who is the underwriter for Qantas Home Insurance?

Qantas is underwritten by Auto & General Insurance Company Ltd. Operating in Australia since 2000, Auto & General underwrites many big names in the insurance game, including Budget Direct, Virgin Money, ING, and 1st For Women.