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Home Insurance

Home Insurance

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We all have our valued possessions, along with many more we take for granted. While some are irreplaceable, there are a surprising number we would need to replace, should the worst happen. From kitchen appliances to the kitchen sink and the house itself, it all adds up.

What if a major catastrophe – like fire, lightning, storm or flood damage or falling trees – hit your home? How would you afford to replace the clothes, furniture, books and other items lost in a fire? What would be the real cost of rebuilding or repairing your home to the quality and size it is now?

And what of those essentials of daily life we take out and about – music players, mobile phones, digital cameras and sunglasses? Small, portable, easy to lose, and appealing to thieves. Costly to replace and frustrating to do without.

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Home Cover

Home Cover is our building, contents and valuables insurance solution that can protect any or all of these scenarios.

Home Cover provides peace of mind that, if, through specific events, your property is damaged, destroyed or stolen, it can be repaired or replaced. And it will usually be on a “new-for-old” basis, regardless of the item’s age.

Home Cover Core Defined Events:

  • Fire
  • Explosion
  • Lightning or thunderbolt
  • Earthquake or Tsunami
  • Theft
  • Vandalism
  • Water or other liquid
  • Collision
  • Falling tree, branch or aerial
  • Damage by animals
  • Riot
  • Storm, Rain or Flood
  • Accidental Glass Breakage

Download the Home Cover product disclosure statement and Key Fact Sheet

Home Cover Prestige

Home Cover Prestige provides cover in addition to the specific events listed above, as it also protects you against power surge, malicious damage and accidental loss or damage to home and contents at the insured address. Plus it provides extended cover for your contents when temporarily removed anywhere in Australia and New Zealand, or for up to 90 days when overseas.

Download the Home Cover Prestige product disclosure statement and Key Fact Sheet

  Home Cover and Home Cover Prestige Comparison Summary
Additional Benefits Home Cover Home Cover Prestige
Building Sum Insured Safeguard Up  to 30% more than your sum insured Up to 30% more than your sum insured
Environment Upgrades to your Building $2,500 $2,500
Environmental upgrades to your Building $500 per item up to a maximum of $2,500 $500 per item up to a maximum of $2,500
Accommodation costs 12 months or 10% of the building sum insured 10% of the building sum insured
Contracting purchaser No Yes
Inflation adjustment Yes Yes
Mortgage Discharge Yes Yes
Extra costs of reinstatement Yes Yes
Legal defence costs $2,500 $5,000
Taxation audit $2,500 $5,000
Fusion $2,000 Reasonable costs
Forced Evacuation 60 days 60 days
Trees, shrubs and plants $1,500 in total $3,000 in total
Locks $2,500 $2,500
Essential temporary repairs $500 for repairs to your building and $200 for repairs to your contents $500
Compensation for death $5,000 $10,000
Building materials $2,000 $2,000
Building costs Yes Yes
Cover when you move sites 30 days 30 days
Contents being conveyed to new residence No Yes
Food spoilage $500 Reasonable costs
Accessories, appliance or spare parts $1,000 per item up to $2,000 in total $1,000 per item up to $2,000 in total
Guest's property $5,000 $10,000
Contents temporarily removed Yes - limited Yes - worldwide
Credit card $2,500 $5,000
Veterinary expenses $500 $750
Identity theft $5,000 $5,000
Monitored alarm attendance $1,000 $1,250
Replacement of documentation $1,000 $1,000
Fixtures and fittings Yes Yes
Optional benefits    
Domestic Workers Compensation# Yes - Optional Yes - Optional
Extended cover for contents in storage Yes - Optional

Automatically covered (under contents

temporarily removed benefit)

#Available in ACT, TAS & WA only for an additional cost

A range of ways to save

There are various ways to enjoy discounts on your premium.

  • Security discounts
    The more secure your property is – through deadlocks, window locks, and either local or monitored alarms – the less you may have to pay.
  • Household no claim bonus
    Continue to earn No Claim Bonus discount, up to our maximum level, the more years you go without making a claim.
  • Seniors discount
    If any named Policyholders are over 50 years of age, you are entitled to the over 50s discount.
  • Multi-policy discount
    Once you have one MemberCare insurance policy with us, we’ll give you a discount on each additional MemberCare policy#
  • A choice of Excess
    Your excess is the initial amount you have to pay yourself if you make a claim, and we offer options of nil excess, $100, $250, $300, $400, $500, $750, $1,000, $2,500, $5,000, $7,500 and $10,000. The higher the excess you choose, the lower the premium you’ll pay.
  • Retirees Discount
    If you’re retired and no longer working more than 20 hours a week your premium will reflect the lower-risk nature of your circumstances.

Easy to arrange, simple to claim

The convenience of having Home Insurance under the same roof as your financial services isn’t the only way we make life easier. From making your application to making a claim, we ensure things are as straightforward as possible.

Flexible payment options include fortnightly, monthly or annual direct debit or credit card payments (excluding Diners Club).

If you do need to make a claim, we won’t make you wade through paperwork. QBE have a 24-hour emergency claims number, and in most cases, you need just provide details over the phone.

Important notes

Terms, conditions and acceptance criteria apply. Cover limits apply as set out in the policy wording. This material does not take into account your personal needs, objectives and financial circumstances and you should consider whether it is appropriate for you. Please read the Product Disclosure Statement to decide if a product is right for you.
# Multi-policy discount is available on your first policy after renewal and is only available for Home, Landlords and Motor Vehicle policies that are purchased through the same financial institution
Insurance issued by QBE Insurance (Australia) Limited ABN 78 003 191 035 AFS Licence 239545