Thumbnail icon for QBE

QBE Home & Contents Insurance

The details shown below are for the Home Cover Prestige

The details shown below are for the Home Cover

Choose the version of this loan that suits you best

  • Home Cover Prestige

  • Home Cover

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

Mozo editorial review QBE Home & Contents Insurance

Last updated: 6 July 2020.

binocular icon
What's hot
  • Range of discounts
  • Automatic flood cover
  • New for old item replacement
What's not
  • Higher premium for monthly payments
Mozo snapshot

QBE’s Home Cover Prestige Home and Contents Insurance is a stand out choice when it comes to protecting your home and possessions. With high cover levels for all your valuables, widespread cover against a number of events including flood damage, and a suite of additional features including new for old replacement and a range of discounts, the QBE policy is there to provide a thorough safeguard for your property.     


key icon
Key features

The QBE Home Cover Prestige Home and Contents Insurance policy offers homeowners what many other insurers don’t - bulit-in flood cover along with protection against a number of other potential events such as burglary, lightning strikes, storms and fire.  

With QBE you’ll rest easy knowing that building and structural improvements along with trees and shrubs (up to $1,500) will be covered in the case of an event. QBE will even cover the cost of debris removal, demolition work and the replacement of building locks and keys (up to $2,500) under the policy.    

When it comes to your valuables, the policy will cover cash in your home (up to $1,000), your credit cards (up to $5,000) and even your jewellery or watches for up to $1,750 per item, along with a range of other household contents.

QBE also provides its customers with a suite of additional features to make things easier if something does go wrong, including temporary accommodation for you and your pets for up to 12 months and new for old replacement on a range of items. Speaking of pets, the policy provides up to $500 cover for veterinary expenses.

With QBE Home Cover Prestige Home and Contents Insurance you’ll also be able to take advantage of a number of discounts such as 10% off your premium for purchasing your policy online and discounts for people over the age of 50.

snapshot
Who is it good for

With its range of quality features and cover, the QBE Home Cover Prestige Home and Contents Insurance policy could be a great option for any homeowner.


snapshot
Any catches

Unfortunately you will have to pay a higher premium if you choose to pay for it in monthly instalments, though if you opt for the yearly lump sum payment option you won’t be charged more.


Details

Rates and fees information correct as at 1 October 2020. 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
  • 60

  • Yes - Up to 30% of sum insured for natural disasters

  • Yes

  • $0

  • true

  • n/a

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

  • Yes

  • Up to 90 days

  • Yes

  • Up to $30,000,000

  • n/a

  • n/a

Events
  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Up to 15 years old

  • Yes

  • Yes

  • Yes

  • No

  • Yes

  • Yes

  • Yes

  • Yes

Buildings
  • Yes

  • Up to $2,000

  • Yes, pathways. Up to $500 per plant and $1,500 in total

  • Yes

Contents
  • Up to $1,000

  • Up to $5,000

  • Yes

  • Yes

  • Yes

  • Yes

  • Up to $10,000 per item

  • Up to $10,000 per artwork or antique. Up to $5,000 for collections.

  • Up to $1,750 per item

  • No

  • Up to $1,000

  • No

  • Yes

  • Up to $5,000

  • No

  • Yes

Other cover
  • $5,000 for death

  • Up to $500

  • Up to $2,500

  • Up to 10% of sum insured combined with temporary accommodation for pets

  • Up to 10% of sum insured combined with temporary accommodation

  • No

  • Yes, combined with demolition costs

  • Yes, combined with debris removal costs

  • Up to $500

  • Up to 30 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).

Details

Rates and fees information correct as at 1 October 2020. 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
  • 60

  • Yes - Up to 30% of sum insured for natural disasters

  • Yes

  • $0

  • true

  • n/a

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

  • Yes

  • Up to 30 days and up to 10% sum insured

  • Yes

  • Up to $30,000,000

  • n/a

  • n/a

Events
  • Optional Extra

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Up to 15 years old

  • No

  • Yes

  • Yes

  • No

  • Yes

  • Yes

  • Yes

  • Yes

Buildings
  • Yes

  • Up to $2,000

  • Yes, pathways. Up to $500 per plant and $1,500 in total

  • Yes

Contents
  • Up to lesser of 1% of sum insured or $500

  • Up to $1,000

  • Up to $3,000

  • Up to $5,000

  • Up to $1,500

  • Yes

  • Up to $5,000 per item

  • Up to $1,000 per item for personal valuables, up to $1,000 per item for curios, up to $5,000 per item for artwork, up to $5,000 per item for collections

  • Up to $1,500 per item

  • No

  • Up to $500

  • No

  • Yes

  • Up to $1,500

  • No

  • Yes

Other cover
  • $5,000 for death

  • Up to $500

  • Up to $500

  • Up to 12 months, up to 10% of sum insured combined with temporary accommodation for pets

  • Up to 12 months, up to 10% of sum insured combined with temporary accommodation

  • No

  • Yes, combined with demolition costs

  • Yes, combined with debris removal costs

  • Up to $500

  • Up to 14 days for contents

  • Up to $5,000

*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
7.3/10
Value for money
7.0/10
Policy coverage
7.5/10
Customer service
7.3/10
Claims handling
7.1/10
Trust
7.3/10

Latest reviews of QBE Home & Contents Insurance

  • Overall 9/10
    Competitive premiums throughout.

    QBE is the most awesome company for your home and contents as I've been with them for several years and never had problems.

    Read full review

    QBE is the most awesome company for your home and contents as I've been with them for several years and never had problems.

    Value for money
    9/10
    Policy coverage
    9/10
    Customer service
    9/10
    Claims handling
    9/10
    Trust
    9/10
    Less
    Charles, Victoria reviewed 5 months ago
  • Overall 9/10
    Broker recommended.

    They were the only insurer who would insure an AirBnB .

    Read full review

    They were the only insurer who would insure an AirBnB .

    Value for money
    10/10
    Policy coverage
    10/10
    Customer service
    8/10
    Claims handling
    -1/10
    Trust
    10/10
    Less
    Rex, New South Wales reviewed 11 months ago
  • Overall 4/10
    Okay online

    Not customer friendly at all.

    Read full review

    Not customer friendly at all.

    Value for money
    3/10
    Policy coverage
    3/10
    Customer service
    6/10
    Claims handling
    6/10
    Trust
    1/10
    Less
    David, Western Australia reviewed over 2 years ago
  • Overall 10/10
    Competitive premiums, fantastic customer service

    Very reasonable competitive rates.

    Read full review

    Very reasonable competitive rates.

    Value for money
    10/10
    Policy coverage
    -
    Customer service
    -
    Claims handling
    -
    Trust
    -
    Less
    Shirley, Queensland reviewed about 3 years ago
  • Overall 9/10
    Competitive premiums and easy to get a claim

    Great company to deal with. They always match premiums every year. I have been dealing with QBE for over 20 years and I wouldn't hesitate to recommend them to anyone.

    Read full review

    Great company to deal with. They always match premiums every year. I have been dealing with QBE for over 20 years and I wouldn't hesitate to recommend them to anyone.

    Value for money
    9/10
    Policy coverage
    -
    Customer service
    -
    Claims handling
    -
    Trust
    -
    Less
    Anitta, South Australia reviewed over 3 years ago
QBE

About QBE

See QBE home insurance