QBE Home & Contents Insurance

This product is available in different versions. Pick the right version for you here.

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

QBE Home & Contents Insurance

QBE Home & Contents Insurance

Mozo Review   QBE Home & Contents Insurance Review

Last updated: 23 September 2019.

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 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, and QBE will even cover the cost of debris removal, demolition work and the replacement of any 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 15% off your premium for purchasing your policy online, a 10% discount for over 50’s, as well as a no claims bonus and a discount for retirees.

Who it's 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, but the range of discounts on offer also make the policy an attractive option for anyone who’s retired or over the age of 50.


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 12 December 2019. 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

  • $0

  • n/a

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

  • Up to 90 days

  • Up to $30,000,000

  • n/a

  • n/a

Events
  • Up to 15 years old

Buildings
  • Up to $2,000

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

Contents
  • Up to $1,000

  • Up to $5,000

  • 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

  • Up to $1,000

  • Up to $5,000

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

  • Yes, combined with demolition costs

  • Yes, combined with debris removal costs

  • Up to $500

  • Up to 30 days for contents

Details

Rates and fees information correct as at 12 December 2019. 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

  • $0

  • n/a

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

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

  • Up to $30,000,000

  • n/a

  • n/a

Events
  • Optional extra

  • Up to 15 years old

Buildings
  • Up to $2,000

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

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

  • 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

  • Up to $500

  • Up to $1,500

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

  • Yes, combined with demolition costs

  • Yes, combined with debris removal costs

  • Up to $500

  • Up to 14 days for contents

  • Up to $5,000

Customer Reviews

How are QBE home insurance rated by the Mozo community?

Overall customer rating
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
    Broker recommended.

    They were the only insurer who would insure an AirBnB .

    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

    Rex | New South Wales

    reviewed about 1 month ago

  • Overall
    4/10
    Okay online

    Not customer friendly at all.

    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

    David | Western Australia

    reviewed almost 2 years ago

  • Overall
    10/10
    Competitive premiums, fantastic customer service

    Very reasonable competitive rates.

    Very reasonable competitive rates.

    Value for money
    10/10
    Policy coverage
    -
    Customer service
    -
    Claims handling
    -
    Trust
    -

    Shirley | Queensland

    reviewed over 2 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...

    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
    -

    Anitta | South Australia

    reviewed over 2 years ago

  • Overall
    9/10
    Solid company

    Good company, policy coverage is wider than most on the market. Claims service is efficient and...

    Good company, policy coverage is wider than most on the market. Claims service is efficient and whilst only used once, the result was more than acceptable because of the assessor used.

    Value for money
    6/10
    Policy coverage
    -
    Customer service
    -
    Claims handling
    -
    Trust
    -

    Bruce | Victoria

    reviewed over 2 years ago

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About QBE

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