Compare home insurance cover
What’s covered depends on the type of home insurance you have and your specific policy. Most standard home insurance policies cover your property and belongings in case of fire, storm damage, theft and more. Find out more about our home insurance policy options below.
Read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD) for full details including limits, exclusions and conditions that apply.
Home insurance
Buildings and contents cover for homeowners
Need home insurance for a property you live in? Choose cover for your home, its contents, or both. It includes things like:
- Cover against damage or loss caused by storm, fire, theft, flood and more
- Up to $30 million legal liability cover
- Temporary accommodation costs for up to two years if your home isn’t liveable
- Electrical motor burnout cover
- Emergency temporary repairs
- Up to 30% Buildings Sum Insured Safeguard benefit (eligibility criteria applies)
- Lifetime guarantee on home repairs made by our repairer
- Contents in transit to your new residence
- Contents cover for up to 60 days at both your old and new home when you move
- Environmental upgrades
- Improved security upgrades after burglary up to $500
Upgrade to include
- Accidental damage cover
- Portable contents cover
Landlord insurance
Buildings and contents cover for residential landlords
Landlord insurance can cover your rental property and, if you select it, your contents too. It includes things like:
- Cover against damage or loss caused by storm, fire, theft, flood and more
- Up to $30 million legal liability cover
- Cover for accidental damage caused by you, your tenant or paying guest
- Damage caused by tenant's pet
- Electrical motor burnout
- Malicious damage caused by your tenants
- Up to 30% Buildings Sum Insured Safeguard benefit (eligibility criteria applies)
- Loss of rent if your rental property isn't liveable
- Theft by tenants
- Environmental upgrades
Contents insurance
Contents cover for renters and strata owner-occupiers
Renting a property or living in a strata unit? Get cover for your belongings with contents insurance. It includes things like:
- Cover against damage or loss caused by storm, fire, theft, flood and more
- Up to $30 million legal liability cover
- Contents in transit to your new residence
- Electrical motor burnout
- Contents cover for up to 60 days at both your old and new home when you move
- Environmental upgrades
- Temporary accommodation costs if your home isn’t liveable
Upgrade to include
- Accidental damage cover
- Portable contents cover
Why choose QBE Home Insurance?
Award-winning insurance
Our home insurance has been recognised for the outstanding value it provides in Canstar’s 2021 Home & Contents Insurance Awards as a national Home Insurance and Home & Contents Insurance Award winner. We’re also a Home and Home & Contents state winner in Victoria and South Australia and a Contents category winner in North Queensland.
We’ve been awarded CANSTAR’s 2021 Innovation Excellence Award for our simplified Home Insurance solution, thanks to the launch of our new online quote and buy platform.
For the second year running we’ve been named by finder.com.au as Australia’s Green Insurer of the Year. We’re honoured to be recognised alongside the nation’s greenest industry leaders. A big thank you to our customers, people and partners for helping us do our bit to protect our planet. Find out more about our awards.
Save 10% on home insurance!
Home insurance knowledge space
Answers to your questions for insuring your home all in the one place
Am I covered for that? 10 questions about home insurance answered
Knowing exactly what’s covered and what’s not in a home insurance policy is crucial before making the purchase.
Do I need to update my home insurance when I buy something new?
Valuable items may need to be insured for a higher specific value or listed separately under your policy. You should call your insurer when they buy something new and update your policy to cover specified high value items.
Good neighbours can help make your home safer
How good neighbours can help make your home safer.
The importance of changing your smoke alarm battery
Your smoke alarm is a vital early warning sign of fire and helps protect the lives of your family and the community by providing an early warning of danger.
Why cleaning your gutters should be on the top of your to-do list
Leaf-blocked gutters may not seem like a big deal but ensuring this part of your home is in good working order has far reaching benefits.
This one simple tip could save your home from water damage
In the past 12 months insurers have received more than 30,000 claims for water damage caused by the failure of braided flexible hoses
Owner Builder insurance
If you're selling a home you recently built or renovated,
you may need Owner Builder Warranty cover. If you live
in Western Australia we can help.
Home insurance frequently asked questions
Home insurance can cover your building, contents or both. What’s covered depends on the type of home insurance you have and your specific policy. Most standard home insurance policies cover the cost of replacing or repairing your house in the event that something goes wrong like:
- Fire
- Flood
- Storm
- Theft
- Vandalism
- Water damage
- Glass breakage
Home and contents insurance covers loss of or damage to your belongings as well as your home. Contents insurance covers the cost of replacing or repairing your belongings but not the building.
In many cases, you can also add optional extras to your home insurance policy to provide additional coverage. This includes portable contents insurance to cover your valuables when you’re away from home, and accidental damage.With QBE's home insurance policies, you have the option to customise your policy based on your needs – so you have the flexibility to choose the amount of cover you want within our range.