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Home insurance for homeowners

Home and contents insurance can cover the cost of replacing or repairing your home and/or belongings if something goes wrong like a fire, theft or damage from a storm.

As a homeowner, you can choose to cover your home, its contents, or both.

Not sure how much cover you need? This will depend on what it would cost to replace your home and belongings at today’s prices. 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. Use the buildings and/or contents insurance calculator to help you work this out.

Find out more about QBE Home Insurance


Why choose QBE Home Insurance?

We've been awarded CANSTAR's 2021 Innovation Excellence Award thanks to how simple it is to get a quote online.
We’ve been insuring everyday Australians for over 130 years.
24/7 friendly and helpful claims service.
Up to $30 million legal liability cover.

Customise your home insurance cover

Choose from these optional extras to customise your home and contents insurance policy.

Accidental damage 

Home and contents insurance covers loss of or damage to your home and belongings caused by events like fire, theft, flood and more. You can upgrade your policy to include accidental damage cover for an extra premium.

Portable  contents away from home

An optional extra that covers your portable items like your mobile phone, laptop and jewellery away from home in Australia and New Zealand or worldwide up to 90 consecutive days.

You can cover specific items or choose different categories and set your category limits.

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Ways to save on your home insurance

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

  • 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 home insurance when you choose to pay annually.

Read more about premiums, excesses and claims in the Additional Information Guide.

Save 10% on home insurance!

Buy home and contents insurance online today and you’ll save 10%! Find our best price when you get a QBE Home insurance quote and buy online.

Homeowners knowledge space

Answers to your questions for insuring your home all in one place

This one simple tip could save your home from water damage

Home and contents insurance frequently asked questions

What’s covered depends on the type of home insurance you have and your specific policy. Most standard home and contents insurance policies cover loss or damage of your belongings as well as your home in the event that something goes wrong like:

  • Fire
  • Flood
  • Storm
  • Theft
  • Vandalism
  • Water damage
  • Glass breakage
  • $30 million legal liability

In many cases, you can also add optional extras to your home insurance policy to provide additional coverage. This includes portable contents to cover your valuables when you’re away from home and accidental damage.

With QBE Home Insurance, 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.


Home insurance can cover your building, contents or both.

Home insurance for your building offers protection by covering the cost of replacing or repairing your house if something goes wrong. Contents insurance covers the cost of replacing or repairing your belongings but not the building.

When you choose a home insurance policy, you and your insurance provider agree on exactly what’s covered by your policy and how much you’ll pay in premiums.


The cost of home and contents insurance depends on a number of factors, such as:

  • How much cover you choose for your contents (the total amount insured)
  • Whether you decide to add any optional types of cover, such as accidental damage or cover for portable valuables
  • How much excess you choose (the amount of money you may need to contribute towards the cost of a claim)
  • Your claims history
  • Where you live
  • Characteristics of your home
  • Your payment frequency.

Read more about premiums, excesses and claims in the relevant Additional Information Guide.

The easy way to compare contents insurance and see how much it may cost you is to get a quote.


Your carpets and internal blinds are covered by your contents insurance.
No. Home and contents insurance covers loss of or damage to your home and belongings caused by events like fire, theft, flood and more. You can upgrade your policy to include accidental damage cover for an extra premium.

‘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. To protect your personal valuables away from home, you'll need to add portable contents cover. When you add portable contents cover to a home insurance policy, your belongings are covered anywhere in Australia and New Zealand and for up to 90 consecutive days anywhere else in the world.
Yes, our standard contents insurance policy covers contents damaged or destroyed by flood. For further details, refer to your PDS.

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 PDS.


A certificate of currency is a document that states the details of your cover and, where applicable, will confirm the interests of your mortgage lender are noted on your Certificate of Insurance. To request a certificate of currency, call us on 133 723.
Yes, as part of your buildings 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 buildings sum insured.
Use the buildings and contents insurance calculators to assess the value of your home and its contents.

The Buildings Sum Insured Safeguard benefit is like a safety net. It’s designed to help protect against underinsuring your property. Your Certificate of Insurance will confirm if your policy includes the safeguard benefit.

If it does and we accept a claim that exceeds your buildings sum insured, we’ll pay up to 30% more than the buildings sum insured shown on your Certificate of Insurance.


Head to our home insurance claims page to make a claim online or call us 24 hours a day on 133 723.
This insurance is issued and underwritten by QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239545). Any advice provided is general only and has been prepared without taking into account your objectives, financial situation or needs and may not be right for you. To decide if this product is right for you, please read the relevant Product Disclosure Statement (PDS).

Need more help?

Call us on 133 723

Mon-Fri 8am-7pm, Sat 8am-1:30pm (AEDT)