A property is a valuable asset, and your belongings help to make your house a home, so you may want to consider insuring them. QBE home insurance offers you three products with flexible cover options that may suit your needs. Choose from buildings cover for the place you call home, contents cover for your belongings whether you own or rent your home, or landlord insurance for an investment property that brings in returns.
Why choose QBE Insurance?
Flexible cover
Our range of insurance options ensures you have the flexibility to choose the cover you need for your car, home or small business.
Claim online anytime
In tough situations, you’ll have access to expert claims teams and a selected supplier network ready to help.
Trusted insurer
We’re an insurer that's been protecting Australians for 140 years.
Compare home insurance cover
What’s covered depends on the type of home insurance you have and your specific policy. Understand some of the key differences between home insurance, contents insurance and landlord insurance.
Home Insurance
Buildings and contents insurance for homeowners can cover the cost of replacing or repairing your home and/or belongings if the unexpected happens. This could include loss or damage caused by things like fire, storm, theft and more. You can insure either your home buildings, contents, or both.
What’s included?
- Cover for damage or loss caused by storm, fire, theft, flood and more
- Up to $30 million legal liability cover
- Emergency temporary repairs
- A guarantee on buildings repairs made by our suppliers
- Temporary accommodation costs for up to two years if your home isn’t liveable due to damage by an insured event
- Burnout of electric motors
- Up to 30% Buildings Sum Insured Safeguard benefit (eligibility criteria apply)
- Cover for your contents in transit to your new residence
- Contents cover for up to 60 days at both your current and new permanent homes when you move house
- Security upgrades after a burglary
- Environmental upgrades.
Optional benefits you can add to your policy
(for an additional premium)- Accidental Damage option – cover either your buildings, contents or both for damage caused by accidents
- Portable Contents option (if you have contents cover) - cover for your belongings away from home.
Contents Insurance
Contents Insurance is designed for renters and strata owner-occupiers. It can cover the repairs or replacement costs for items damaged or destroyed in an event like a fire, flood or theft.
What’s included?
- Cover for damage or loss caused by storm, fire, theft, flood and more
- Up to $30 million legal liability cover
- Burnout of electric motors
- Contents cover for up to 60 days at both your current and new permanent homes when you move house
- Environmental upgrades – contents.
Optional benefits you can add to your policy
(for an additional premium)- Accidental Damage option – cover for your contents for damage caused by accidents
- Portable Contents option – cover for your belongings away from home.
Landlord Insurance
Landlord Insurance can cover your investment property for damage caused by things like flood, fire and theft, plus loss of rental income when damage from an insured event makes the property unliveable.
What’s included?
- Cover for 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 a paying guest
- Cover for damage caused by a tenant’s pet
- Burnout of electric motors
- Cover for malicious damage caused by your tenants or paying guests
- Up to 30% Buildings Sum Insured Safeguard benefit (eligibility criteria apply)
- Loss of rent for up to 24 months if your rental property isn’t liveable due to damage by an insured event
- Cover for theft by tenants or paying guests
- Environmental upgrades.
Optional benefits you can add to your policy
(for an additional premium)- Rent Default by Tenant option – cover up to the specified limit if your tenant fails to pay rent in accordance with the lease agreement.
QBE Home Insurance FAQs
If the claim is for loss or damage from the same event (for example, storm damage to your home and contents), you just pay the higher basic excess – either your buildings or contents basic excess. Other excesses may apply to your claim, read the PDS and your Certificate of Insurance for more information.
When working out the sum insured for your buildings, the amount should cover the full cost to rebuild your home, including things like fences, carports and inground swimming pools. It should also include costs like demolition and debris removal. This isn’t the same as the real estate value, and it should not include the land value. A home building calculator can help you estimate a value. Consider the increase in building costs – for both materials and labour. If you’re still unsure, please seek professional advice as building sum insured calculators can help estimate the cost, but are provided as a guide only.
You can use a contents calculator to estimate the replacement cost for your contents. Remember to include things like carpet, internal blinds, curtains, furniture, whitegoods and personal items.
Items of value, including jewellery and artworks, can be listed separately on your Certificate of Insurance, as part of the overall contents sum insured.
Estimating replacement costs can be tricky, so checking prices through online retailers can be helpful. If you’re still unsure, it’s a good idea to consult an insurance professional as calculators are generic and may not be accurate.
If you move, call 133 723 to update your policy with details of your new home.
Please have the following handy:
- The date of your move
- Your new address
- Details about your new home, including its age and construction materials.
QBE Contents Insurance FAQs
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 cover for accidental damage for an additional premium.
If your body corporate isn’t required by law to insure carpets and blinds, then yes, they can be insured under contents insurance. Contents insurance can insure these items in case of damage due to an insurable event such as a fire, flood or other incident outlined in the PDS.
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 the Portable Contents option 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 for up to 90 consecutive days at a time anywhere else in the world.
Yes. Our QBE Contents Insurance provides cover for loss or damage caused by a flood. For further details, refer to the QBE Contents Insurance PDS for limits, exclusions and conditions that apply.
As a renter or strata-owner occupier, how much you insure contents for 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. If you're a strata-owner occupier, and your body corporate isn't required by law to insure carpets and blinds, you may want to consider them too.
You can use a contents insurance calculator to help you estimate the replacement cost.
QBE Landlord Insurance FAQs
If you have either fully or partially furnished your rental property and you want to cover your contents that are for your tenants’ use, you can select contents cover.
This can help to cover your contents in case of events such as malicious damage or theft by tenants or paying guests.
Landlord contents cover can also be useful for strata-lot owners who want to cover fixtures within the property that the body corporate is not required by law to insure.
Read the QBE Landlord Insurance PDS for limits, exclusions and conditions that apply.
This all depends on your circumstances and how much cover you need. At QBE, we offer a range of landlord insurance choices:
- Buildings cover: Cover for your rental property and permanent fixtures
- Contents cover: Cover for the contents in your rental property that you have provided for your tenants to use as part of their tenancy
- Buildings and contents cover: Cover for your rental property and your contents.
If we agree, you can also add the Rent Default by Tenant option for an additional premium.
Head to the QBE home insurance claims page to make a claim online or call 133 723.