Home Insurance
- Main events covered
-
Fire -
Theft -
Storm -
FloodOptional Extra
-
Monthly payments cost extra
-
yes
-
Underinsurance protection
-
Optional Extra - Up to 25% of home sum insured.
-
New for old replacement
-
Yes
- Underinsurance protection
-
Optional Extra - Up to 25% of home sum insured.
- 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
-
No
- Fusion
-
Optional Extra
- Power surge
-
No
- Accidental loss and damage
-
Optional Extra
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
Up to $7,000 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
-
No
- Emergency storage
-
No
- Temporary accommodation
-
Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation for pets.
- Temporary accommodation for pets
-
Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation.
- Temporary repairs
-
Up to 10% of sum insured combined with debris removal cost
- Buildings and structural improvements
-
Yes
- Building materials
-
Up to $1,000
- Demolition cost
-
Up to 10% of sum insured combined with debris removal cost
- Debris removal
-
Up to 10% of sum insured combined with demolition cost
- Landscaping
-
Yes, garden borders, pathways and paved areas.
- Gates and fences
-
Yes
- Legal liability cover
-
Yes - Up to $20,000,000
- Days unoccupied until cover stops
-
60
- Other restrictions
-
-
- Other benefits
-
Earn up to 30,000 Qantas Points when you join or switch by 29 January 2025. Min. spend $2,000 per policy.
Contents Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
FloodOptional Extra
-
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
-
No
- Fusion
-
Optional Extra
- Power surge
-
No
- Accidental loss and damage
-
Optional Extra
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
Up to $7,000 for funeral
- Monthly payments cost extra
-
yes
- General contents
-
Yes
- Contents while moving
-
Yes - Up to 20% of contents sum insured
- Antiques and valuables
-
Yes - Up to $10,000 per item for artwork, up to $25,000 in total, up to $2,000 for collections
- Cash
-
Yes - Up to $800
- Cd dvd and electronic files
-
Up to $3,000 combined with computer software
- Computer software and hardware
-
Hardware yes, software up to $3,000 combined with CDs/DVDs
- Camera and accessories
-
Yes
- Carpets
-
Yes
- Home office contents
-
Yes - Up to $15,000
- Identity theft
-
No
- Jewellery
-
Yes - Up to $1,000 for any item, $5,000 in total
- Personal medical equipment
-
Yes
- Replacement of documents
-
No
- Tools of trade
-
Yes - Up to $2,000
- Lock replacement
-
Yes - Up to $1,000
- Emergency storage
-
Up to 10% of sum insured
- Temporary accommodation
-
Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation for pets.
- Temporary accommodation for pets
-
Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation.
- Temporary repairs
-
No
- Buildings and structural improvements
-
No
- Building materials
-
No
- Demolition cost
-
No
- Debris removal
-
No
- Landscaping
-
No
- Gates and fences
-
No
- Legal liability cover
-
Yes - Up to $20,000,000
- Days unoccupied until cover stops
-
60
- Other restrictions
-
-
- Other benefits
-
Earn up to 30,000 Qantas Points when you join or switch by 29 January 2025. Min. spend $2,000 per policy.
Home and Contents Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
FloodOptional Extra
-
Monthly payments cost extra
-
yes
-
Underinsurance protection
-
Optional Extra - Up to 25% of home sum insured.
-
New for old replacement
-
Yes
- Underinsurance protection
-
Optional Extra - Up to 25% of home sum insured.
- New for old
-
Yes
- Building cover
-
- Contents cover
-
- Fire
-
Yes
- Theft or burglary
-
Yes
- Storm
-
Yes
- Flood
-
Yes
- Lightning
-
Yes
- Earthquake
-
Yes
- Storm surge
-
No
- Fusion
-
Optional Extra
- Power surge
-
No
- Accidental loss and damage
-
Optional Extra
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
Up to $7,000 for funeral
- Monthly payments cost extra
-
yes
- General contents
-
Yes
- Contents while moving
-
Yes - Up to 20% of contents sum insured
- Antiques and valuables
-
Yes - Up to $10,000 per item for artwork, up to $25,000 in total, up to $2,000 for collections
- Cash
-
Yes - Up to $800
- Cd dvd and electronic files
-
Up to $3,000 combined with computer software
- Computer software and hardware
-
Hardware yes, software up to $3,000 combined with CDs/DVDs
- Camera and accessories
-
Yes
- Carpets
-
Yes
- Home office contents
-
Yes - Up to $15,000
- Identity theft
-
No
- Jewellery
-
Yes - Up to $1,000 for any item, $5,000 in total
- Personal medical equipment
-
Yes
- Replacement of documents
-
No
- Tools of trade
-
Yes - Up to $2,000
- Lock replacement
-
Yes - Up to $1,000
- Emergency storage
-
Up to 10% of sum insured combined with debris removal cost
- Temporary accommodation
-
Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation for pets.
- Temporary accommodation for pets
-
Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation.
- Temporary repairs
-
Up to 10% of sum insured combined with debris removal cost
- Buildings and structural improvements
-
Yes
- Building materials
-
Up to $1,000
- Demolition cost
-
Up to 10% of sum insured combined with debris removal cost and emergency storage cost
- Debris removal
-
Up to 10% of sum insured combined with demolition cost and emergency storage cost
- Landscaping
-
Yes, garden borders, pathways and paved areas.
- Gates and fences
-
Yes
- Legal liability cover
-
Yes - Up to $20,000,000
- Days unoccupied until cover stops
-
60
- Other restrictions
-
-
- Other benefits
-
Earn up to 30,000 Qantas Points when you join or switch by 29 January 2025. Min. spend $2,000 per policy.
Your selected home insurance
Qantas home insurance ratings
Customer reviews
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Do not touch Qantas Building Ins. Be warned.
Qantas is underwritten by Auto & General Insurance. If you have to ever make a claim (heaven forbid) Qantas don’t want to know about it and abrogate all dealings to Auto & General which operates as an impersonal production line commodity broker where policy holders are treated like potential/suspected criminals. You are not treated with any humanity despite having experienced trauma. Sadly Auto & General’s mantra is to pay out as little as possible to their claimants with the ultimate goal of paying nothing. Their success is measured by whether they can “break” the claimant by using every tactic in the book to do so. Qantas sells this insurance to unsuspecting clients by using their “brand of trust” however be warned & do not touch this product. The policy you buy has nothing to do with Qantas. Any problems you encounter are redirected to Auto & General by Qantas. All Qantas are doing is collecting the commission on the sale of the policy. Do not go there! Be warned. Our house sustained major damage when arsonists lit a fire in an adjoining property and it has taken almost two years to resolve and is still ongoing. Our beds were on fire. Fortunately nobody was physically injured for which we are grateful. Don’t believe any of the hyperbole and rhetoric you witness on the television adverts for Auto & General. It’s just fantasy.
Qantas Home Insurance FAQs
What is Qantas’ underinsurance protection?
Qantas offers optional underinsurance protection, covering up to 25% beyond your building’s insured sum - something not all providers will offer. This feature can help with additional rebuild costs if your insured amount falls short. While some providers cap underinsurance at 30%, the difference is usually minor unless you own a high-value property or expect significant cost fluctuations.
Is there a cooling-off period for Qantas Home Insurance?
Yes, Qantas Home Insurance includes a 21-day cooling-off period. If you decide to cancel within 21 days of purchasing or renewing the policy (and you haven’t made a claim), you’ll receive a full refund of any premiums paid.
What is the excess on a Qantas Home Insurance policy?
Qantas offers a flexible excess range of $100-$5,000, allowing you to select an amount that balances your premium with potential out-of-pocket costs at claim time. This flexibility can be helpful if you want to adjust for lower upfront costs or reduced expenses during a claim.
Does Qantas offer landlord insurance?
While Qantas doesn’t offer standalone landlord insurance, you can add tenant default, tenant theft, and malicious tenant damage cover to your building policy as optional extras.
Does Qantas offer renters insurance?
There’s really no difference between renter’s insurance and content’s insurance besides clever marketing, so if you’re a renter, Qantas’ contents insurance policy should suit you just fine provided you’re happy with the policy details.
How do I make a claim with Qantas Home Insurance?
To make a claim, you can visit the Qantas Insurance claims portal or call their claims support line at 13 49 60. Be sure to have your incident details, photos, and other supporting documents ready for a quicker process.
Qantas products
Home insurance quick links
* 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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