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QBE Home & Contents Insurance

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

Mozo editorial review QBE Home & Contents Insurance - last updated: 30 September 2021

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What's hot
  • 10% quote and buy online discount
  • Underinsurance safety net
  • Covers emergency repairs
  • 2021 Mozo Experts Choice Award
What's not
  • Costs extra to pay monthly
Mozo snapshot

Want to avoid the hassle of taking out separate cover for your home and belongings? Why not consider QBE’s combined home and contents insurance policy. This insurance plan will cover both the bricks and mortar of your home and the items inside it. You'll be covered for events such as fire, flooding, storms and theft. Plus there's a maximum 30% safety net, in case it turns out that your home is underinsured and a 10% discount when you quote and buy online! Best of all, QBE took home a 2021 Mozo Experts Choice Award for Exceptional Quality Home & Contents Insurance.

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Key features

QBE's home and contents insurance policy bundles together cover for your property and belongings. With this insurance plan you'll be covered in case of fire, flooding, storms, theft, vandalism, water damage and accidental breakage of glass.

In the event of an emergency, cover is provided for temporary repairs, accommodation costs and temporary storage of contents. Temporary accommodation is available in circumstances where your home becomes uninhabitable. For this QBE will pay for up to 24 months of accommodation, or 20% of your building’s sum insured (whichever is less). The same applies for storing your belongings.

On top of this, if your keys are stolen in Australia, QBE will cover up to $2,500 worth to replace them. In terms of contents, jewellery and watches will also be covered up to $2,500, collections up to $5,000, artworks, rugs and antiques up to $20,000 per item, cash, vouchers and coupons up to $800 and food and prescribed medicine that has to be kept refrigerated up to $500. If you wish, there’s also the option to increase cover for jewellery, watches and collections. Although this may increase the cost of your premium.

If it turns out that your building is underinsured, QBE also offers a 30% 'buildings sum insured safeguard.' This means that QBE will pay up to 30% more of the buildings sum insured to help cover the costs to rebuild your home. This applies to claims where QBE has agreed to either repair or replace your property, or pay you a reasonable amount to repair or replace your home. 

Should you want to increase your cover, cover for portable contents and accidental damage are available as optional extras. As these features aren’t included as standard, they will up the price of your premium. While we’re on the subject of price, it should also be noted that paying in instalments will cost you a bit extra as well.


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Who is it good for

This policy would be most suited to a homeowner looking to bundle their building and contents insurance together.

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Any catches

If you opt to pay in instalments, this will cost you a bit extra. Another thing worth noting is that smart watches are not covered with jewellery and watches cover.

Details

Rates and fees information correct as at 17 October 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.
Policy and service features

90

Optional Extra - Up to 30% of sum insured

Yes

$0

true

n/a

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

Yes

Up to 90 days

No

Up to $30,000,000

n/a

n/a

Events

Optional Extra

Yes

Yes

Yes

Yes

Yes

Yes

No

Optional Extra

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Buildings

Yes

Up to $2,000

Yes, pathways.

Yes

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

No

No

Up to $2,500

Up to 24 months, up to 20% of sum insured combined with temporary accommodation for pets

Up to 24 months, up to 20% of sum insured combined with temporary accommodation

Yes

Yes, combined with building costs

Yes, combined with building costs

Yes

Up to 60 days for contents

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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