Qantas home insurance review

Get Qantas Home Insurance to protect your home and earn Qantas Points while you do it.

Our Verdict

  • This renowned Aussie brand's policies are underwritten by Auto & General Insurance Company Limited, one of the world's biggest insurers.
  • 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 two 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

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Details

Name
Fire, Storm & Theft Damage
Malicious Damage
Escape of Liquid
Legal Liability$20,000,000
Choice of Excess
UnderwriterAuto & General Insurance Company Limited
Deal

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

Plus save 15% on your premium when you combine your Home & Contents insurance. Points awarded will be based on your premium. Not available on homes or for contents we already insure for you. T&Cs & 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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Compare up to 4 providers

Name Product Fire, Storm & Theft Damage Tenant Default and Damage Loss of Rent Accidental Damage to Home or Belongings Flood
Qantas Landlord Insurance
Optional
Optional
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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Compare up to 4 providers

What's the deal with Qantas?

Qantas is most commonly known for its airline but the company actually has a few different areas of business, including insurance.

The Qantas brand offers health insurance, car insurance, travel insurance, life insurance and most recently, home insurance.

The home insurance policies are underwritten by Auto & General Insurance Company Limited. That's one of the biggest insurance providers in the world.

What does Qantas home insurance cover?

Home insurance covers the actual structure of your home while contents covers the things inside it. It's super helpful in lots of situations but there are things it doesn't cover too.

Key benefitsHome and contents InsuranceHome building insuranceContents insuranceLandlord insurance
Underinsurance protectionOptionalOptional
Pay monthly at no extra cost
Full building replacement
Choice of excess
Fire and explosion
FloodOptionalOptionalOptionalOptional
Storm
Earthquake
Lightning
Malicious damage
Optional
Theft
Accidental glass breakage
Temporary accommodation10% of sum insured - up to 12 months10% of sum insured - up to 12 months10% of sum insured - up to 12 months 10% of sum insured - up to 12 months
Replacement of locks$1,000
$1,000$1,000
Damage to trees, plants or shrubs$0$0$0$0
Funeral expenses$7,000$7,000$7,000$7,000
Electrical motor burnoutOptionalOptionalOptionalOptional
Contents temporarily removed from home20% of the contents sum insured
20% of the contents sum insured20% of the contents sum insured
Outdoor contents
Cover for strata title property owners
Food spoilage$500
$500$500
Online discount
Legal liability$20,000,000$20,000,000$20,000,000$20,000,000
Accidental damageOptionalOptionalOptionalOptional
Removal of debris and trees
Guests contents$1,000$0$1,000$1,000
Tools of trade$2,000$0$2,000$2,000
Building modifications$10,000$10,000$10,000$10,000
Jewellery$5,000$0$5,000$5,000
Loss or theft of credit card$0$0$0$800
Home office contents$15,000
$15,000$15000
Rebuilding
Water damage
Pet injury
Solar panel
Storm and rainwater damage
Impact including fallen trees
Shed cover
Laptop
Phone
CamerasOptional
OptionalOptional
Watch
Automatically included watch limit$2,000$0$2,000$2,000
Specified personal effectsOptional
OptionalOptional
Portable contentsOptional
OptionalOptional
Loss of rentOptionalOptional
Tenant default and damage
UnderwriterAuto & General Insurance Company LimitedAuto & General Insurance Company LimitedAuto & General Insurance Company LimitedAuto & General Insurance Company Limited
DistributorQantas Airways LimitedQantas Airways LimitedQantas Airways LimitedQantas Airways Limited

What other benefits are there?

  • Sum insured safeguard. If you add on this optional extra, Qantas will increase the amount you are insured for by up to 25% if you make a claim on your home insurance and it turns out you're not fully covered.
  • Choice of excess. There are 12 different levels of excess to choose from, ranging from $100 to $5,000. The higher the excess, the lower the premiums.
  • Temporary accommodation. If your home is unliveable, Qantas will pay up to 10% of sum insured - up to 12 months of your home or contents sums insured for reasonable and appropriate temporary accommodation.
  • Funeral expenses. Qantas will pay up to $7,000 towards funeral costs if you, your family or a household member suffer a fatal injury caused by an insured event at your address.

What doesn't Qantas cover?

Home insurance helps in lots of different situations, but it doesn't cover everything. Here's a list of some of the things your Qantas home insurance policy won't cover.

  • 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
  • Earth movement
  • Gradual deterioration
  • Hydrostatic pressure
  • Intentional acts
  • Loss of data
  • Poor condition
  • Repossession
  • Terrorism
  • Uninsured period (first 72 hours of this policy)
  • When your home is unoccupied
  • Vermin
  • War
  • Phones
  • Laptops
  • Items over a certain value
  • Pet injury
  • Damage to trees and shrubs

Will I get frequent flyer points?

Yes, you could earn up to 20,000 Qantas Points. This will vary depending on how expensive your home insurance policy is though.

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