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 available if eligible, 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 2022 Mozo Experts Choice Award for Exceptional Quality Home & Contents Insurance.
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 damage to your home, cover is provided for temporary emergency 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 20% coverage applies for your eligible insured contents.
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, set, or pair, 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 if you're eligible, 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.
This policy would be most suited to a homeowner looking to bundle their building and contents insurance together.
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.
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90 |
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Optional Extra - Up to 30% of buildings sum insured, applied automatically for eligible policies |
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Yes |
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$100 |
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true |
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no |
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10% online discount |
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Yes |
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Yes - Up to 90 days if overseas |
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Yes - depending on incident |
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Up to $30,000,000 |
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n/a |
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n/a |
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Optional Extra |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Optional Extra |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Up to $2,000 |
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No |
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Yes |
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Up to $800 |
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No |
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Up to $1,000 for electronic files and software |
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Yes - hardware. Up to $1,000 for software. |
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Yes |
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Yes |
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Up to $20,000 per item, set or pair |
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Up to $20,000 per item, set or pair of artworks or antiques. Up to $5,000 per collection. |
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Up to $2,500 per item, set or pair |
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Up to $800 |
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Up to $800 |
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No |
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Yes |
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Up to $5,000 |
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No |
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Yes |
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No |
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No |
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Up to $2,500 |
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Up to 24 months, up to 20% of buildings sum insured combined with temporary accommodation for pets |
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Up to 24 months, up to 20% of buildings sum insured combined with temporary accommodation |
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Up to 24 months, up to 20% of contents sum insured. |
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Yes, combined with building costs |
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Yes, combined with building costs |
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Yes |
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Up to 60 days for contents |
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Yes |
^See information about the Mozo Expert Choice Home Insurance Awards
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.
Defence service, has the QBE insure acne as underwriters to the defence service people, so far we have had good service and few reasons to call them, I guess we are lucky in that. But when we have had reason for their service they were easy and good to manage and understand our need s.
Read full reviewDefence service, has the QBE insure acne as underwriters to the defence service people, so far we have had good service and few reasons to call them, I guess we are lucky in that. But when we have had reason for their service they were easy and good to manage and understand our need s.
I have been with them for many years and i have had no problems with them and when i had a claim they were the best,and you can trust them all the way.I like to add that when it come to home or contents they wiill go out of there way to help you with insurance.
Read full reviewI have been with them for many years and i have had no problems with them and when i had a claim they were the best,and you can trust them all the way.I like to add that when it come to home or contents they wiill go out of there way to help you with insurance.
Always there, never had an issue. Up to date with renewals and customer service is fantastic
Read full reviewAlways there, never had an issue. Up to date with renewals and customer service is fantastic
They have complete cover, great claims service and good value for money. Very helpful staff
Read full reviewThey have complete cover, great claims service and good value for money. Very helpful staff
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 reviewQBE is the most awesome company for your home and contents as I've been with them for several years and never had problems.