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QBE Home & Contents Insurance

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Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
Contents cover

Mozo editorial review QBE Home & Contents Insurance

Last updated: 22 February 2021.

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What's hot
  • 10% quote and buy online discount
  • Underinsurance safety net
  • Covers emergency repairs
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!

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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 27 February 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
  • Yes

  • 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

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
7.5/10
Customer service
7.3/10
Claims handling
7.1/10
Trust
7.4/10

Latest reviews of QBE Home & Contents Insurance

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