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Qantas Home and Contents Insurance

Advertiser disclosure
Important information on terms, conditions and sub-limits
Fire
Yes
Theft or burglary
Yes
Flood
Optional Extra
Storm
Yes
Building cover
Contents cover
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Mozo editorial review Qantas Home and Contents Insurance - last updated: 30 March 2022

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What's hot
  • Earn up to 20,000 Qantas Points when you join (T&Cs apply)
  • Save 15% on Home and Contents combined (T&Cs apply)
  • Earn Qantas Points for paying your premium (T&Cs apply)
  • New-for-old replacement
  • 24/7 claims service
What's not
  • Flood cover only offered as an optional extra (for a premium)
Mozo snapshot

Qantas Home and Contents Insurance offers coverage for homeowners looking to protect their residence and treasured belongings.  Cover is for a wide range of insured events, including fire, storms, theft, vandalism, earthquake, and escape of liquid (E.g. burst pipe). There’s extra benefits on the table including a 15% discount on your premium when you take out the Qantas Home Building Insurance and Contents Insurance for the same address, as well as the opportunity to earn Qantas Points simply for taking out a  policy or paying your premium (T&Cs apply).

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Key features

With this combined policy, you can expect the structure of your home to be repaired or completely rebuilt (up to the sum it’s insured for) after an insurable event, including attached internal elements of the home like benchtops. The same goes for the insured contents of your home. Just be sure to check the product disclosure statement (PDS) for any criteria or conditions that apply.

In addition, this product covers accommodation costs for you and your pets (up to 12 months or 10% of the sum insured) should the home become unliveable after an insured event . If you need to rebuild your home, Qantas can sort out debris removal as well as extra rebuilding costs in addition to the sum insured (up to 10% more) like demolition and other professional costs.

When it comes to specified contents insurance, there’s a huge range of items with automatic cover at set pay-out limits. For example, home office equipment is covered  for up to $15,000, hand-woven carpets and rugs for up to $5,000 per item, and jewellery and watches for a maximum $1,000 per item/set or $5,000 in total. You may be able to increase these limits (for a price) if your items are higher in value than the set limits.

There are also a range of optional covers  you can opt-in for by paying an additional fee. This includes flood cover, insuring portable items you take away from your home (like jewellery or cameras), and sum insured safeguard  which will increase your home insurance sum insured  up to 25% (in case rebuilding or replacing your home costs more than you had it insured for).

You’ll get extra bang for your insurance premium buck by taking out a  combined home and contents policy (a 15% discount) and can also earn up to 20,000 Qantas Points (T&Cs apply). This comes with some conditions – you’ll need to be taking out a new Qantas Home and Contents Insurance policy, and can only access the points after holding the policy for 60 days.

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Who is it good for

Anyone looking to protect their home and belongings with comprehensive coverage while taking advantage of the combined policy discount and Qantas Points offer.

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Any catches

Remember: damage caused by flooding isn’t included as standard – you’ll need to take out flood cover as an optional extra for an additional fee. 

Details

Rates and fees information correct as at 18 May 2022. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Policy and service features

60

Optional Extra - Up to 25% of home sum insured.

Yes

$100

true

no

15% combined policy discount

No

Optional Extra

Yes

Yes - Up to $20,000,000

n/a

n/a

Events

Optional Extra

Yes

Yes

Yes

Yes

Optional Extra

Yes

Optional Extra

Optional Extra

Yes

Yes

No

Yes

Yes

Yes

Yes

Buildings

Yes

Yes

No

Yes

Contents

Yes - Up to $800

No

Yes - Up to $3,000

Yes - Up to $3,000

Yes

Yes

Yes - Up to $5,000

Yes - Up to $10,000 per item for artwork, up to $25,000 in total, up to $2,000 for collections

Yes - Up to $1,000 for any item, $5,000 in total

No

No

No

Optional Extra

Yes - Up to $2,000

No

Yes - Up to $15,000

Other cover

Yes

No

Yes - Up to $1,000

Yes - Up to 10% of home or contents sums insured

Yes - Up to 10% of home sums insured

Yes

Yes - Up to 10% of home or contents sums insured

Yes

No

Yes

Yes - Up to 20% of contents sum insured

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.

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