QBE home insurance customer reviews and comparisons for 2025

QBE home insurance

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
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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

-

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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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
Go to site

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

-

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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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
Go to site

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

-

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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Showing 3 results from 32 home insurance policies. Use the filters to see more

Customer reviews

Magdi

Victoria - 7 months ago

Product name: Home Cover Prestige

1.5

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.

Price

1.5
Features

3.0
Service

1.0
Convenience

2.5
Trust

0.5

Kerry

Victoria - 11 months ago

Product name: Home Cover Prestige

3.5

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.

Features

4.5
Service

4.0
Convenience

4.0
Trust

4.5

Sam

New South Wales - almost 2 years ago

0.5

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.

Price

0.5
Features

0.5
Convenience

0.5
Trust

0.5

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.

Disclaimer

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Disclaimer

Important information on terms, conditions and sub-limits

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.

M

Magdi

Victoria - 7 months ago
Product name: Home Cover Prestige

1.5

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.
- Price
  
  1.5
- Features
  
  3.0
- Service
  
  1.0
- Convenience
  
  2.5
- Trust
  
  0.5
K

Kerry

Victoria - 11 months ago
Product name: Home Cover Prestige

3.5

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.
- Features
  
  4.5
- Service
  
  4.0
- Convenience
  
  4.0
- Trust
  
  4.5
S

Sam

New South Wales - almost 2 years ago

0.5

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.
- Price
  
  0.5
- Features
  
  0.5
- Convenience
  
  0.5
- Trust
  
  0.5

QBE home insurance

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