QBE home insurance

With over 125 years looking after the needs of Australians, QBE are committed to protecting what's important to you. With a presence in 38 countries, QBE is one of the world's top 20 general insurance companies.

Looking to cover your home and contents with QBE? Whether you're a owner, landlord or renter, apply online and save 10% on your policy.

QBE offers the following home insurance

Rates and fees verified as correct at 27 May 2022. Other information correct at the time of writing.
Advertiser disclosure.

Product Main Events covered Monthly payments cost extra Underinsurance protection New for old replacement
Home Cover
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

Yes

Optional Extra

Up to 30% of sum insured

Yes

Home Cover
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

Yes

No

Yes

Home Cover
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

Yes

Optional Extra

Up to 30% of sum insured

Yes

How is QBE home insurance rated?

Mozo users have rated QBE home insurance on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of home-insurances
QBE home insurance
Overall
Value for money
Policy coverage
Customer service
Claims handling
Trust

95 Reviews

Recent QBE home insurance reviews

QBE Home Insurance
Overall 2/10
Ripped off with excessive premium increases 47%!

Excessive increase in Premiums. Here is the text of my complaint: Me to QBE on 7 Jan after raising the mater on 4 Jan and was told that building costs have increased amongst other 'unnamed factors'. I was told the matter would be resolved within the statuary 30 day period. "The essence of my complaint is the increase in Premiums over the last three years: We have made no claims. My wife is retired and is at home most of the time. 2020: $1307.67 2021: $1457.83, 11.5% 2022: $1930.98, 32.5% (or 47.67% over two years based on the 2020 figure) Whilst I acknowledge that building costs have increase due to current supply chain issues, this is certainly not a justification for the magnitude of the proposed increase." I got a "rejection response" of the 3rd Feb (My Policy due for renewal on 1 Feb. They had already taken out the 'new premium' from my credit card on 1 Feb while still in dispute.) When querying this they told me that there were other factors "such as flood risk". [Note: We live on a hill - no chance of this!] Part of the explanation letter states that "the premium increase has occurred due to risk pricing factors which have increased at your insured address" but later there is an acknowledgement that "I appreciate the zone has not changed since the policy inception".When pushed further - they tried to tell me inflation was a factor. Really!! (Inflation rates 2020 0.98%, 2021 2.5%). When I pointed this out and askerd for the real reasons - they said they couldn't tell me anything else because of 'commercial confidentiality'. When I get my premium back, I am going elsewhere.

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Excessive increase in Premiums. Here is the text of my complaint: Me to QBE on 7 Jan after raising the mater on 4 Jan and was told that building costs have increased amongst other 'unnamed factors'. I was told the matter would be resolved within the statuary 30 day period. "The essence of my complaint is the increase in Premiums over the last three years: We have made no claims. My wife is retired and is at home most of the time. 2020: $1307.67 2021: $1457.83, 11.5% 2022: $1930.98, 32.5% (or 47.67% over two years based on the 2020 figure) Whilst I acknowledge that building costs have increase due to current supply chain issues, this is certainly not a justification for the magnitude of the proposed increase." I got a "rejection response" of the 3rd Feb (My Policy due for renewal on 1 Feb. They had already taken out the 'new premium' from my credit card on 1 Feb while still in dispute.) When querying this they told me that there were other factors "such as flood risk". [Note: We live on a hill - no chance of this!] Part of the explanation letter states that "the premium increase has occurred due to risk pricing factors which have increased at your insured address" but later there is an acknowledgement that "I appreciate the zone has not changed since the policy inception".When pushed further - they tried to tell me inflation was a factor. Really!! (Inflation rates 2020 0.98%, 2021 2.5%). When I pointed this out and askerd for the real reasons - they said they couldn't tell me anything else because of 'commercial confidentiality'. When I get my premium back, I am going elsewhere.

Value for money
3/10
Policy coverage
7/10
Customer service
2/10
Trust
3/10
Less
Chris, Victoria, reviewed 4 months ago
QBE Home Insurance
Overall 7/10
QBE are really trustworthy

QBE were really good in dealing with our fire claim including building, contents and machinery that was written off. Can really trust them.

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QBE were really good in dealing with our fire claim including building, contents and machinery that was written off. Can really trust them.

Value for money
7/10
Policy coverage
6/10
Customer service
7/10
Claims handling
8/10
Trust
9/10
Less
Libby, New South Wales, reviewed 5 months ago
QBE Home Insurance
Overall 9/10
Wonderful customer service

Great customer service.

Read full review

Great customer service.

Value for money
9/10
Policy coverage
9/10
Customer service
9/10
Claims handling
8/10
Trust
8/10
Less
Carol, Western Australia, reviewed 5 months ago
QBE Building Insurance
Overall 7/10
Simple, no dramas.

The most exciting thing I can say is that we've never needed to claim, so my only experience with them (other than paying, of course) has been when we moved from one house to another. That process was perfectly smooth, and apart from a virtual ream of paperwork (why are there 200+ pages?!?), it was exactly what you'd want it to be.

Read full review

The most exciting thing I can say is that we've never needed to claim, so my only experience with them (other than paying, of course) has been when we moved from one house to another. That process was perfectly smooth, and apart from a virtual ream of paperwork (why are there 200+ pages?!?), it was exactly what you'd want it to be.

Value for money
7/10
Policy coverage
6/10
Customer service
10/10
Trust
6/10
Less
Ben, Victoria, reviewed 9 months ago

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