Qantas home insurance review

Qantas home insurance offers budget-friendly cover with decent benefits. But be aware, you’ll have to pay extra for flood cover.

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Nicola Middlemiss

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Key takeaways

  • Remember: flood cover is an additional cost and is not included as standard.
  • Bundle home and contents insurance online to potentially save up to 30% on your first year – 15% when you take out a new policy online, and up to 15% when you combine home and contents. T&Cs apply.

Our verdict

Pros

  • Finder compared over 40 home insurance brands. Qantas was one of the cheapest.
  • Earn up to 35,000 Qantas Points for joining by 25 November 2026..
  • You can save up to 30% on your 1st year’s premium - 15% when you take out a new policy online, and up to 15% when you combine home and contents. T&Cs apply.

Cons

  • Flood cover isn't included as standard. You'll have to pay extra if you want it.
  • Qantas doesn't offer cover for environmental upgrades, but we found 28 brands that do.
  • Guest contents is capped at $1,000 but some brands cover up to $7,000.

Compare Qantas home insurance policies

Finder Score Fire, Storm & Theft Damage Flood Escape of Liquid Accidental damage
9.5 Excellent
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Optional
Bonus points offer: Earn up to 35,000 Qantas Points for joining by 25 November 2026. Plus save 15% on your 1st year’s premium when you purchase online. T&Cs apply.
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Qantas Home Insurance logo
9.2 Excellent
Qantas Home and Contents Insurance
9.2 Excellent
Optional
Optional
Bonus points offer: Earn up to 35,000 Qantas Points for joining by 25 November 2026. Plus save up to 30% on your 1st year’s premium - 15% when you take out a new policy online, and up to 15% when you combine home and contents. T&Cs apply.
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Qantas Home Insurance logo
8.9 Great
Qantas Home Building Insurance
8.9 Great
Optional
Optional
Bonus points offer: Earn up to 35,000 Qantas Points for joining by 25 November 2026. Plus save 15% on your 1st year’s premium when you purchase online. T&Cs apply.
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Finder Score - Home insurance

We crunch eligible home insurance products in Australia to see how they stack up. We rank over 50 products on 16 different features, including price. We end up with a single score out of 10 that helps you compare home insurance a bit faster. We assess home and contents, building only and contents only products individually.

Read the full methodology

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Earn up to 35,000 Qantas Points with Qantas Home Insurance

Ends 25 November 2026

Earn up to 35,000 Qantas Points for joining by 25 November 2026. Plus save up to 30% on your 1st year’s premium - 15% when you take out a new policy online, and up to 15% when you combine home and contents. T&Cs apply.

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What additional cover options are available?

Qantas has a wide range of additional cover options available so you can customise and strengthen your home insurance policy if you wish. These include:

  • Flood cover - Cover for damage caused by flooding rivers, lakes and other bodies of water.
  • Accidental damage - Cover for accidental damage, including scorch marks or glass breakage.
  • Motor burnout - Replaces or repairs electrical appliances damaged by a power surge.
  • Sum insured safeguard - If your nominated sum insured falls short of what's required to repair or rebuild your home, Qantas will add An extra 25% cover.
  • Landlord cover - Protection if a tenant defaults on their rental payments, steals from, or damages your property.
  • Personal effects cover - Insures items you take with you out of your home, including cameras, sunglasses, and jewellery. This is only available if you get combined home and contents insurance, or contents insurance.
  • Commercial storage - Covers your contents for loss or damage while they're in storage. This is only available if you get combined home and contents insurance, or contents insurance.

Qantas home insurance claims process

You can lodge your Qantas home insurance claim online via the Qantas Insurance website, or by calling 13 49 60. The claims team is available 24/7 if you prefer to lodge your claim over the phone.

Before you call or attempt to lodge your claim online, you should have your policy number, details of your claim, and a police report number if applicable.

FAQs

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Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio

Nicola's expertise
Nicola has written 170 Finder guides across topics including:
  • Personal finance
  • Personal insurance, including car, health, home, life, pet and travel insurance
  • Commercial business insurance
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2 Responses

    krishnan's avatar
    krishnanMarch 13, 2026

    i need to insure my home and contents

      Sarah Megginson's headshotFinder
      SarahApril 7, 2026Finder

      You can review a range of options and obtain quotes here.

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