Your household contents represent a lifetime of memories. Insuring your contents is one of the best ways to look after them now and in the future.
Having contents insurance means that, should your items be damaged or destroyed by an event like a fire, flood, earthquake or theft, we’ll pay to repair or replace them. The contents insurance calculator can help you estimate how much cover you may need.
If you’re a renter or strata owner-occupier, contents-only insurance covers your belongings, and in some cases fixtures. Whereas homeowners tend to need cover for their building and contents together. If you’re a landlord looking to cover your rental property and/or its contents, please refer to our landlord insurance page.
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What’s included in contents insurance cover?
QBE Contents Insurance covers your belongings for loss or damage caused by a variety of things like storm, fire, theft, flood and more.
Read the relevant Product Disclosure Statement (PDS) for full details including limits, exclusions and conditions that apply.
Need contents insurance for your belongings at your home? It includes things like:
- Cover against damage or loss caused by storm, fire, theft, flood and more
- Up to $30 million legal liability
- Contents in transit to your new residence
- Electrical motor burnout cover
- Cover for up to 60 days at both your old and new home when you move house
- Environmental upgrades
- Fixtures attached to the property which:
- the body corporate doesn’t cover (strata owner-occupiers)
- you’re responsible for under your lease agreement (renters).
Ways to save on your contents insurance
Want more value from your contents insurance?
If you’re looking for contents insurance, there are some ways you can bring down the cost, including:
- Flexible excess: Choosing a higher excess lowers your premium. Be sure to pick an excess you can afford to pay at short notice if you need to make a claim.
- Pay up front: Pay less for your contents insurance when you choose to pay annually.
Read more about premiums, excesses and claims in the Additional Information Guide.
Why choose QBE Contents Insurance?
At QBE, we know not every household contains the same contents, which is why our contents insurance is flexible. Choose the amount of cover you need and tell us if you’ve got any high-value items you’d like covered.
You can choose to add optional cover for accidental damage and/or portable contents away from home, for an additional premium.
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Six great unknown things about renters insurance
Renters are responsible for their own belongings at the property they’re renting. Renter’s insurance – also known as contents insurance – means you can make a claim for the costs to replace lost, stolen or damaged belongings or negligent damage to another person’s property.
Does renters insurance cover that? 10 FAQs answered
Here are the answers to some of the most common things people want to know about renters or contents insurance and explain what is and isn’t covered.
Contents insurance calculatorYou can use the Home Contents Estimate Calculator to figure out roughly how much it would cost to replace your belongings with new items. By providing general information about your home the calculator will provide an estimated contents value and summary that you can further edit for a more accurate result if you wish.
Contents insurance frequently asked questions
QBE Contents Insurance covers you for a range of events as standard.
- Water damage
- And more...
You can also upgrade to include cover for accidental damage and/or cover for portable contents you carry, wear or use away from your home.
Read the relevant PDS for full details including limits, exclusions and conditions that apply.
‘Specified contents’ are items covered at your home address.
If you own an item that you would like covered by your contents insurance, but its value exceeds the standard limit in the policy, just tell us. If we agree to cover it, it will be listed as a ‘specified contents’ item on your policy.
If you own an item that you would like covered by your contents insurance away from home, but its value exceeds the portable contents category limit or it doesn’t fall within one of the categories, or you specifically want to itemise it, just tell us. If we agree to cover it, it will be listed as a ‘specified portable contents’ item on your policy. This is an optional cover that you can add for an additional premium.
We’ll usually need valuations, receipts or serial numbers as proof of ownership in the event of a claim. To find more information about the limits that apply to the policy, refer to your Certificate of Insurance and the relevant PDS.
No , our standard contents policy doesn’t cover items lost or damaged away from home.
If you’d like to insure certain items when you carry, wear or use them away from your house – such as laptops, mobile phones, bikes, and other valuables – you can opt for portable contents insurance for an additional premium. This covers their accidental loss or damage anywhere in Australia and New Zealand, and includes cover worldwide for up to 90 consecutive days.
Yes please. You must tell us if your home will be unoccupied for more than 90 consecutive days.
Other conditions may apply and you’ll find more information about unoccupied properties and contents insurance in your Certificate of Insurance and the relevant PDS.
As a renter or strata-owner occupier, your level of contents insurance cover will depend on what it would cost to replace your belongings at today’s prices. This means you’ll need to spend some time thinking about all the items within your home that you may need to be repaired or replaced in case of things like theft, fire or flood.
This often includes items such as televisions, furniture, white goods, laptops, mobile phones, clothing, jewellery and artworks.
You can use the contents insurance calculator to help you estimate this.
You can use the contents insurance calculator to estimate roughly how much it would cost to replace your belongings with new items. By providing general information about your home, the calculator will provide an estimated contents value and summary that you can further edit for a more accurate result if you wish.
Alternatively, when you get a quote for contents insurance, the questions we ask you will give you a contents sum insured estimate.
If you’re uncertain about your contents sum insured, please seek professional advice.
Don’t forget to include the value of the fixtures attached to the property which the body corporate doesn’t cover (strata owner-occupiers) or that you’re responsible for under your lease agreement (renters).
Unfortunate events and accidents are unlikely, but they can be disastrous when they do happen. Contents insurance can give you a level of comfort knowing that if (for example) there was a fire that destroyed your home contents, all you’d need to worry about is getting yourself and family members out safely. Your contents insurance would provide the cover you chose.
What’s more QBE Contents Insurance provides you with up to $30 million legal liability cover, anywhere in the world including at your home.
Yes – up to a point. We’ll cover your contents for up to 60 days at both your current address if you permanently reside there, and at your new address (within Australia) if you plan to live there permanently.
If you want cover at your new address after the 60 days have passed, you must tell us or you won’t be covered.
We also cover your contents while they’re in transit in a motor vehicle to your new permanent residence. This includes when they’re on their way to a commercial storage facility for temporary storage before being transported to your new permanent residence in Australia.
Learn more about the details about contents insurance when moving house in the relevant PDS.