Qantas Home Insurance

Qantas home insurance review

Qantas home insurance is good if you want affordable cover that also lets you earn points.

3.8 ★★★★★ (4 reviews) Write a review

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Our Verdict

  • You earn up to 20,000 Qantas Points when you sign up. More are awarded based on your premiums.
  • Home office contents cover of $15,000 should be enough for those who have chosen to invest a bit more in their remote working set-up.
  • While Qantas may offer 2 attractive sign-up deals, its 15% policy saving for combining home and contents insurance doesn't match Budget Direct's saving of 30%.

Review by our insurance writer Gary Hunter

Deal

Earn up to 20,000 Qantas Points with Qantas Home Insurance

Earn up to 20,000 Qantas Points for joining. Points based on your premium after 60 days. T&Cs, eligibility & exclusions apply.

Compare Qantas home insurance policies in a few clicks

Name Product Building Cover Contents Cover Fire, Storm & Theft Damage Sum Insured Safeguard Online Discount Cheapest way to pay
Qantas Home and Contents Insurance
Optional
Annually
Earn up to 20,000 Qantas Points when you apply. Points awarded will be based on your premium. T&Cs & exclusions apply.
Qantas Home Building Insurance
Optional
Annually
Earn up to 20,000 Qantas Points when you apply. Points awarded will be based on your premium. T&Cs & exclusions apply.
Qantas Contents Insurance
Annually
Earn up to 20,000 Qantas Points when you apply. Points awarded will be based on your premium. T&Cs & exclusions apply.
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Name Product Tenant Default and Damage Loss of Rent Accidental Damage Sum Insured Safeguard Cooling-off Period Cheapest way to pay
Qantas Landlord Home and Contents Insurance

Optional

10% of the sum insured amount of your property
21 days
Annually
Earn up to 20,000 Qantas Points when you apply. Points awarded will be based on your premium. T&Cs & exclusions apply.
Qantas Landlord Building Insurance

Optional

10% of your home sum insured
21 days
Annually
Qantas Landlord Contents Insurance

Optional

No
21 days
Annually
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What does Qantas home insurance include?

Qantas home insurance is underwritten by Auto & General Insurance Company Limited. It offers 4 different policies: combined home and contents insurance policy, home building insurance, contents insurance and landlord insurance.

Here's a quick overview of the main insured events it covers:

All policies come with a choice of excess (an amount you need to pay when you make a claim) and a cooling-off period of 21 days. You can cancel your policy within this timeframe for a full refund.

An overview of Qantas home insurance features

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Standard features

A Qantas home insurance policy comes with a lot of standard inclusions you can claim for if an insured event occurs. These include:
  • Temporary accommodation
  • Replacement of locks
  • Damage to trees, plants or shrubs
  • Funeral expenses
  • Contents temporarily removed from home
  • Outdoor contents
  • Cover for strata title property owners
  • Food spoilage

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Optional add-ons

Qantas also offers a lot of add-ons which could be good if you want more protection. These include:
  • Specified personal effects
  • Portable contents
  • Accidental damage
  • Electrical motor burnout
  • Cameras

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Exclusions

Qantas will not pay your claim for any of the following reasons:
  • Action of the sea, high water or underground water
  • Asbestos
  • Breaking the law
  • Business activity
  • Consequential loss
  • Contamination or pollution
  • Contents in the open air
  • Defects, structural faults or design faults

Make sure you read Qantas's PDS for a full list of exclusions. You can also find out more about general exclusions here.

Qantas home insurance complaints

We looked at home insurance complaint data from the Australian Financial Complaints Authority (AFCA) between July and December 2020. The data explores different underwriters and compares their business size to the number of complaints processed.

When comparing insurers, keep in mind that insurers with a larger market share serve more customers so can potentially get more complaints.

Qantas home insurance is underwritten by Auto & General Insurance Company Limited. The information includes data from other insurers Auto & General underwrites. Here's an overview of how it did:

  • Qantas (underwritten by Auto & General Insurance Company Limited) had significantly fewer complaints compared to other large and very large businesses.
  • It received 2 complaints but only 1 was resolved directly with the customer; the other had to be escalated by AFCA.

Bottom line about Qantas home insurance

Qantas home insurance is ideal if you want an insurer that does Qantas Points and has a solid complaints record, though there are bigger sign-up deals available.

If you're not yet ready to take out a policy, compare Qantas home insurance policies side by side with other providers here.

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FAQs about Qantas home insurance

A note about Qantas home insurance reviews

If you've held or currently hold a Qantas home insurance policy, we'd love to hear from you. Your reviews help other Australians decide if Qantas is right for them. Some reviews are from a survey commissioned by Finder.

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