Important information on terms, conditions and sub-limits
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
n/a
Contents cover

Mozo editorial review QBE Contents Insurance

Last updated: 19 February 2021.

binocular icon
What's hot
  • 10% quote and buy online discount
  • Cover when you move house
  • Environmental upgrades
What's not
  • Costs extra to pay monthly
Mozo snapshot

Got a prized piece of artwork, or a load of expensive jewellery? You might want to check out QBE’s Contents Insurance. With this policy renters and homeowners alike can protect their precious belongings against damage caused by storms, fires, theft and floods. You’ll also receive up to 60 days worth of cover when you move home, for contents in both your old and new place.

key icon
Key features

With QBE’s Contents Insurance you will receive a substantial amount of cover for your valuables. Artworks, rugs and antiques are covered up to $20,000 each, there’s up to $800 worth of cover for cash, gift cards, vouchers and coupons and $2,500 worth of cover for jewellery and watches (does not cover smart watches).

Your belongings will be insured for a number of events, including fire, theft, lightning, storms, flooding, earthquakes and accidental breakage of glass in furniture, mirrors and movable light fittings. Cover for electrical motor burnout and damage caused by an animal accidentally trapped inside your home is also included. 

Plus if your claim is approved, QBE will pay for emergency temporary repairs, temporary contents storage, improved security and environmental upgrades - where applicable. For temporary storage of contents, QBE will pay either up to 24 months worth of storage costs or 20% of your sum insured (whichever works out less). Improved security applies if your home is broken into by force and insured contents are stolen. In this case, QBE may pay up to $500 towards purchasing and installing additional security.

You’ll even be covered when you move house. That’s right - QBE offers up to 60 days worth of cover for contents in your old and new home. Contents in transit are covered too, against events such as fire, theft, collision and flooding. Speaking of which, you can also upgrade your policy to include ‘portable contents cover.’ Although, this will up the cost of your premium.

Of course as with all insurance policies, there are a few exclusions to keep in mind. This includes conducting business activity at your property. To expand on that, damage that arises as a result of income earning activities will not be covered. This does not apply if you have an office that takes up less than 20% of your home, or you are simply doing office work from home. You also won’t be covered for damage caused intentionally or as a result of illegal activity. Read QBE’s PDS for a full list of general exclusions.

snapshot
Who is it good for

This particular policy would be suited to anyone who wants to make sure their precious belongings are covered. It would work for renters and homeowners alike and might be an option to consider for anyone moving house in the near future!

question icon
Any catches

If you want to pay in instalments, you will wind up paying more. It should also be noted that while jewellery and watches are covered, smart watches are not.

Details

Rates and fees information correct as at 10 May 2021. 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.
Contents
  • Up to $800

  • No

  • Up to $1,000

  • Up to $1,000

  • No

  • Yes

  • Up to $20,000 per item, set or pair

  • Up to $20,000 per item, set or pair of artworks or antiques. Up to $5,000 per collection.

  • Up to $2,500 per item, set or pair

  • Yes

  • Up to $800

  • No

  • Yes

  • Up to $5,000

  • No

  • Yes

Other cover
  • Yes

  • No

  • Up to $2,500

  • No

  • No

  • Yes

  • No

  • No

  • Yes

  • Up to 60 days

  • Yes

Policy and service features
  • 90

  • No

  • Yes

  • $0

  • true

  • no

  • 10% online discount, Over 50, retirees, no claim bonus, security systems.

  • Yes

  • Up to 90 days

  • No

  • Up to $30,000,000

  • none

  • none

Events
  • Optional Extra

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • No

  • Optional Extra

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

*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 on the provider's website for further information before making any decisions about an insurance product.

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

Customer Reviews

How are QBE home insurance rated by the Mozo community?

Overall
7.4/10
Value for money
7.1/10
Policy coverage
7.6/10
Customer service
7.3/10
Claims handling
7.2/10
Trust
7.4/10

Latest reviews of QBE Contents Insurance

Thumbnail icon for QBE

About QBE

See QBE home insurance