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Why choose QBE prestige home cover

Please refer to our PDS before deciding which product is right for you.

What’s included in the cover

Home

  • Fire

  • Flood

  • Storm

  • Theft

  • Vandalism

  • Accidental damage

  • Water damage

  • Glass breakage

  • Temporary accommodation

  • Essential temporary repairs

  • Legal liability

Contents

  • Fire

  • Flood

  • Storm

  • Theft

  • Vandalism

  • Contents outside your home (up to specified limits)

  • Accidental damage

  • Water damage

  • Food spoilage

  • Essential temporary repairs

  • Legal liability

Optional Benefits

Domestic Workers Compensation

Covers the cost of compensation if someone’s injured working in your home. (Not available in all States or Territories. Refer to the PDS).

Cycle cover

Added protection for bike lovers, at home and when you’re cycling.

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Ways to save

Want more value from your home and contents insurance? Consider: 


  • Flexible excess: Increase or decrease your excess to suit your needs
  • Pay up front: Pay less when you choose an annual premium
  • Security discount: Save money when you fit security devices that meet our minimum standards like alarms and deadlocks
  • Over 50s discount: Pay a lower premium if you’re over 50

Home FAQs

You’re covered for loss or damage caused by ‘defined events’. For details of these events, refer to your Product Disclosure Statement and Policy Schedule.

Carpets and blinds are covered under contents insurance.

Yes, accidental damage is automatically covered. For more information, please refer to your Product Disclosure Statement and Policy Schedule.

Yes. For more information, please refer to your Product Disclosure Statement and Policy Schedule.

If your property is furnished you’ll be covered if you’re away for up to 60 days. If your property is unfurnished, you’ll be covered for up to 30 days. If your property will be unoccupied for a longer period you’ll need to contact us. Other restrictions on cover may apply. You’ll find more information about this in the Product Disclosure Statement and your Policy Schedule.

A certificate of currency is a document that states the details of your cover and, where applicable, will confirm the interests of your financier are noted on your Policy Schedule. To request a certificate of currency call us on 133 723.

Your policy can start when your Certificate of Handover is provided by your builder. You can get a quote online or call us on 133 723 to arrange cover.

Yes, as part of your sum insured. You’re covered for debris removal if we need to repair, replace or rebuild your home. You need to make sure you’ve allowed for this cost when setting your sum insured.

Our home insurance calculator can help you to assess the value of your contents.

The Building Sum Insured Safeguard is all about peace of mind. If your home is a total loss and you’ve used our home insurance calculator correctly – but your estimate has fallen short – we’ll cover you for up to 30% more than your sum insured. You’ll need to provide a copy of your Building Replacement Estimate in the event of a claim so please download and save a copy of the full report and keep a printed copy in an offsite location.

The Safeguard benefit also protects your sum insured if the increased cost of repair over and above your sum insured was directly caused by a catastrophic event. More information regarding this benefit can be found in your Product Disclosure Statement and Policy Schedule.

Contents FAQs

You’re covered for loss or damage caused by ‘defined events’. For details of these events, refer to your Product Disclosure Statement and Policy Schedule.

Carpets and blinds are covered under contents insurance.

Yes, they will be covered outside your home, up to set limits. For increased coverage you’ll need to list high risk items as ‘specified items’. Otherwise you’ll need Portable Contents insurance.

There are certain limits for particular high risk items. If you have an item that exceeds this limit, you need to specifically list the item on your policy. We’ll usually need valuations, receipts or serial numbers as proof of ownership in the event of a claim. You’ll find more information about this in your Product Disclosure Statement and Policy Schedule.

There are two types of specified items. ‘Specified contents’ are items covered inside your home. It doesn’t cost extra to specify these on your policy.

‘Specified portable contents’ items have additional cover away from home, in Australia, and up to 90 days overseas. For more information on the limits that apply to your policy, refer to your Product Disclosure Statement and Policy Schedule.

Yes. For more information, please refer to your Product Disclosure Statement and Policy Schedule.

If your property is furnished you’ll be covered if you’re away for up to 60 days. If your property is unfurnished, you’ll be covered for up to 30 days. If your property will be unoccupied for a longer period you’ll need to contact us. Other restrictions on cover may apply. You’ll find more information about this in the Product Disclosure Statement and your Policy Schedule.

Our home insurance calculator can help you to assess the value of your contents.

The advice on this website has been prepared without taking into account your objectives, financial situation or needs. You must decide whether or not it is appropriate, in light of your own circumstances, to act on this advice. You should ensure you obtain and consider the Product Disclosure Statement for the policy before you make any decision to acquire it.

Need more help?

Call us at 133 723

Mon-Fri 8am-8pm, Sat 8am-1:30pm (AEST)