Why choose QBE Contents Insurance?
At QBE, we know not every household contains the same contents, which is why our contents insurance for renters and strata owner-occupiers is flexible. Choose the amount of cover and tell us if you’ve got any high-value items you’d like covered.
You can add cover for accidental damage and/or portable contents away from home for an additional premium.
We’ve been insuring Australians for over 130 years.
We provide 24/7 friendly claims service.
We offer up to $30 million legal liability cover.
What’s contents insurance?
Having contents insurance means that, should your items be damaged or destroyed by an event like a fire, flood, earthquake or theft, your insurer can pay to repair or replace them. If you’re a renter or strata owner-occupier, QBE Contents Insurance can cover your belongings and, in some cases, fixtures. When you get a contents insurance quote, you’ll need to choose how much cover you need to replace all your contents (called your ‘sum insured’). The contents insurance calculator can help you estimate the cover you need.
If you’re a homeowner, you may need cover for building and contents together. For landlords, please refer to our landlord insurance page if you’re looking to cover your rental property and/or its contents.
Looking for contents insurance in Australia? Get a contents insurance quote and save 10% when you buy online!
What does Contents Insurance cover include?
QBE Contents Insurance can provide cover for 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) and Target Market Determination (TMD) for the full details of the cover, including limits, exclusions and conditions.
Are you a renter or strata owner-occupier and need contents insurance for your belongings at your home? It includes things like:
- Cover for damage or loss caused by a storm, fire, theft, flood and more
- Up to $30 million legal liability
- Contents cover while moving to your new residence
- Electrical motor burnout cover
- Contents cover for up to 60 days at your old and new home
- Environmental upgrades
- Cover for fixtures attached to the property which the body corporate isn’t required by law to insure (strata owner-occupiers) or that you’re responsible for under your lease agreement (renters).
QBE’s Contents Insurance policy doesn’t include cover for things like:
- Home (or ‘buildings’) insurance
- Wear and tear, gradual deterioration or costs associated with maintenance.
Upgrade to include
- Accidental damage cover
- Portable contents cover
Ways to save on your contents insurance premium
Here are some ways to reduce the cost of your contents insurance premium:
- Flexible excess
- Choosing a higher basic excess can lower your premium. Be sure to pick a basic excess you can afford to pay at short notice if you need to make a claim.
- Pay upfront
- Pay less for your contents insurance premium when you pay annually.
Read more about premiums, excesses and claims in the Additional Information Guide.
Save 10% on contents insurance!
Mozo awarded us its 2022 Mozo Experts Choice Award for Exceptional Value Home & Contents Insurance. This award provides a platform for industry experts to highlight products in the marketplace that they believe offer great value to Australian consumers.
Canstar awarded us its 2021 Innovation Excellence Award for our simplified home insurance solution, thanks to our online quote and buy platform.
For the third year running, Finder has named us Australia’s Green Insurer of the Year. We're honoured to receive this recognition. A big thank you to our customers, people and partners for helping us enable a more resilient planet.
We’ve been awarded the 2022 Personal Lines Mansfield Award recognising claims excellence in the Australian insurance industry. The Awards highlight the vital role that claims professionals play in the insurance industry and recognises those achieving excellence in this field.
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 information about 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 can provide an estimated contents value and summary that you can further edit for a more detailed result if you wish.
Contents insurance FAQs
QBE Contents Insurance for renters and strata owner-occupiers provides cover for a range of events as standard.
These include things like:
- Water damage
You can also upgrade to include accidental damage and portable contents cover. Read the relevant PDS and TMD for full details of the cover, including limits, exclusions and conditions.
QBE Contents Insurance provides cover for loss of or damage to your belongings caused by events like fires, theft, floods and more. You can upgrade your policy to include accidental damage cover for an extra premium.
If your body corporate isn’t required by law to insure carpets and blinds, then yes, they can be insured under contents insurance. QBE Contents Insurance can insure these items in case of damage due to an event such as a fire, flood or other incident outlined in the PDS.
‘Specified contents’ are items that you have listed on your policy, that have a value that exceeds the standard policy limit. Cover is provided for these items up to the amount specified, when they are at your home address.
Let us know if you want a specific item insured by your contents insurance. We’ll list it as a ‘specified contents’ item on your policy if we agree to cover it.
‘Specified portable contents’ are portable items insured at and away from your home address. When you choose this optional benefit, cover is provided for these items up to the amount specified on your policy.
Contact us if you want a specific item insured by your contents insurance while away from home. We’ll list it as a ‘specified portable contents’ item on your policy if we agree to cover it. Alternatively, you can choose to select cover for categories of portable items, such as jewellery, portable electronics, or mobile phones.
We’ll usually need valuations, receipts or serial numbers as proof of ownership in the event of a claim. To find out more information about the limits that apply to the policy, please consider the PDS. Any limits that apply to a policy will be listed on the Certificate of Insurance.
No. If you’d like to insure certain items when you carry, wear or use them away from your home – such as laptops, mobile phones, bikes and other valuables – you can add Portable Contents cover for an additional premium. This provides cover for the items you have selected for accidental loss or damage anywhere in Australia and New Zealand, and includes cover worldwide for up to 90 consecutive days.
Yes. Our contents insurance policies provide cover for loss or damage caused by a flood. For further details, refer to the relevant PDS.
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 contents insurance amount will depend on what it could 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 may need to be repaired or replaced in case of things like theft, fires or floods.
This often includes items such as televisions, furniture, white goods, laptops, mobile phones, clothing, jewellery and artwork.
You can use the contents insurance calculator to help you estimate the replacement cost.
You can use the contents insurance calculator to estimate how much it could cost to replace your belongings with new items. By providing general information about your home, the calculator can provide an estimated contents value and summary that you can further edit for a more detailed result.
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 isn’t required by law to insure (strata owner-occupiers) or that you’re responsible for under your lease agreement (renters).
If you plan on moving to a new address within Australia, QBE Contents Insurance for renters and strata owner-occupiers can insure your contents for up to 60 days at your current and new address.
If you want to insure your contents at your new address after the 60 days have passed, you must tell us.
We can also insure 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 contents insurance for renters and strata owner-occupiers when moving house in the relevant PDS.