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QBE Contents Insurance

Advertiser disclosure
Important information on terms, conditions and sub-limits
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
n/a
Contents cover
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Mozo editorial review QBE Contents Insurance - last updated: 19 February 2021

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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.

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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.

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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!

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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

Cover information and limits in the table below correct as at 28 March 2024. 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 for electronic files and software

Yes - hardware. Up to $1,000 for software.

Yes

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

Up to $800

Up to $800

No

Yes

Up to $5,000

No

Yes

Other cover

No

No

Up to $2,500

No

No

Up to 24 months, up to 20% of contents sum insured.

No

No

Yes

Up to 60 days

Yes

Policy and service features

90

No

Yes

$100

true

no

10% online discount

Yes

Yes - Up to 90 days if overseas

Yes - depending on incident

Up to $30,000,000

none

none

Events

Optional Extra

Yes

Yes

Yes

Yes

Yes

Yes

Yes

No

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 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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