You could earn up to 20,000 Qantas Points for joining by 22 April. T&Cs and exclusions apply.
Home office equipment cover of up to $15,000 for those who have chosen to invest a bit more in their work from home setup.
Cons
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%.
Compare Qantas home insurance policies in a few clicks
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.
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.
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
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
Flood (subject to eligibility)
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 2021 to June 2022. The data breaks down 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:
It had significantly fewer complaints compared to other large businesses (and even some medium ones).
It received 11 complaints but only 3 were 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.
You pay the same as buying directly from the home insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of home insurance brands, making it easier for you to find a good deal.
We're here to help
Since 2014, we've helped 150,000+ people find home insurance by explaining your cover options simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.
FAQs about Qantas home insurance
Yes, you could earn up to 20,000 Qantas Points. This will vary depending on how expensive your home insurance policy is though.
Yes, you have a choice of 12 different excesses, which range from $100 up to $5,000.
Qantas home insurance is issued and underwritten by Auto & General Insurance Company Limited.
To be eligible for a Qantas insurance policy, you need to be at least 16 years of age and have an Australian mailing address (or have one in the next 30 days) when you take out a policy. You also need to reside or own property in Australia. Policies aren't generally suitable for:
Homes in the Northern Territory or above the Tropic of Capricorn (excluding the Greater Rockhampton area)
Hotels and other multi-occupancy dwellings
Caravans, cars, trailers, mobile homes or shipping containers
Homes that have asbestos roofs
Homes that are under construction and not at lock-up stage
Anyone who has been convicted of arson or fraud or has had their previous insurance denied due to fraud
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.
Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).
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