QBE home insurance review

QBE home insurance offers strong protection at a reasonable price point. Plus, impressive discounts are available if you buy online.

3.9 ★★★★★ (39 reviews) Write a review

QBE Home & Contents Insurance

QBE Home & Contents Insurance logo image
  • Green Insurer of the Year 2023
  • Get up to 20% off your policy
  • Cover for rebuilding with environmental upgrades
Learn more

Our verdict

Pros

  • Save up to 20% off your first year's premium with QBE Building and Contents Insurance. T&Cs apply.
  • Finder cost research shows QBE home insurance is cheaper than the national average.
  • We couldn't find a brand that offered higher cover for legal liability, lock replacement or temporary accommodation.

Cons

  • No cover is offered for guest contents. Some brands offer up to $5,000.
  • If you want more than $2,500 of jewellery covered, you'll have to pay extra.
  • Food spoilage is covered up to $500. Some brands offer up to $2,000.

QBE offers reasonably-priced cover with some stand-out benefits, including high limits for legal liability, lock replacement and temporary accommodation.

Features

Product AUFHO Building Cover Contents Cover Fire, Storm & Theft Damage Sum Insured Safeguard Online Discount Cheapest way to pay
Annually
Our verdict: Finder's Top Pick for Floods plus cover for other common claims such as fire and theft). Its discount is better than most – 20% off your first year with a combined policy.
Budget Direct Home & Contents Insurance
Best Rated BrandBonusFinder Award Finalist
Budget Direct Home Insurance logo
Optional
Annually
Our verdict: The most popular insurer on Finder, Budget Direct prioritises low-cost cover and gives you up to 30% off your first year's premium for new combined Home & Contents policies purchased online.
Annually
Our verdict: Finder’s 2022 Insurer of the Year for Customer Satisfaction and our Top Pick for Fire Damage cover. It’s good if you want a tailored quote over the phone.
Annually
Monthly or Annually
Our verdict: Strong customer service record and pay monthly at no extra cost. You also get up to $5k for environmentally friendly upgrades if your home is destroyed.
Optional
Annually
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Price

As part of our 2024 awards, our insurance experts researched 45 home insurance brands and got over 400 quotes. This research found QBE to be reasonably priced, at an average of $1,893. There are cheaper home insurance policies available but keep in mind that the best home insurance for you may depend on more than just price.

Remember, your quote may look different as pricing is highly dependent on specific situations.

ProviderAverage costApply
QBE home insurance$1,893.42
Budget Direct Logo$1,241.44
Youi car insurance$2,126.715
NRMA logo$831.86
AAMI Logo$1,125.97

Methodology

Compare QBE's home insurance policies

Product AUFHO Building Cover Contents Cover Fire, Storm & Theft Damage Sum Insured Safeguard Online Discount Cheapest way to pay
Annually
Our verdict: Finder's Top Pick for Floods plus cover for other common claims such as fire and theft). Its discount is better than most – 20% off your first year with a combined policy.
Annually
Our verdict: Finder's Top Pick for Floods plus cover for other common claims such as fire and theft). Its discount is better than most – 20% off your first year with a combined policy.
QBE Home Insurance
Green Company
QBE Home Insurance logo
Annually
Our verdict: It covers essentials such as fire and theft plus comes with some good perks such as environmental upgrades and up to 10% off your first year.
Annually
Our verdict: It covers essentials such as fire and theft plus comes with some good perks such as security upgrades after a burglary and up to 10% off your first year.
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Deal

Get up to 20% off your first year's premium with QBE Building and Contents Insurance

Discount is made up of a 10% online discount, and a further 10% for buying a combined policy. T&Cs apply.
Finder Awards badge

Congratulations, QBE!

QBE won the award for 'Green Insurer of the Year' in the 2024 Green Awards.

Full list of 2024 winners

What additional cover options are available?

QBE home insurance customers have some options to tailor their policy, including:

  • Accidental damage - Protect your home and contents from accidental damage. For example, you spill paint on your favourite rug.
  • Portable contents - Protect items you take outside of the home, including mobile phones, bicycles and handbags.
  • Item limit increase - Increase the claimable limit on specific items, such as jewellery.

QBE home insurance claims process

The QBE home insurance claims process is online, via the website. You'll need your policy number and information about the incident to get started. You can also call 133 723 for help.

QBE home insurance complaints information

In the last financial year, The Australian Financial Complaints Authority (AFCA) received 927 complaints in relation to QBE's home and contents insurance, 291 of which were resolved at registration and referral, 629 progressed to case management and 540 of those were closed at case management.

FAQs

Compare other products from QBE

Nicola Middlemiss's headshot
Senior writer

Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio

Nicola's expertise
Nicola has written 241 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

    Default Gravatar
    MalNovember 27, 2023

    do you have shop fronts?

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