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QBE Home Insurance

QBE Home Insurance review

Green Company

Looking for loads of options? QBE Home Insurance has exactly that.

4.0 ★★★★★ (37 reviews) Write a review

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Our Verdict

  • It's the winner of Finder's Green Insurer of the Year 2021.
  • It comes with up to $30,000,000 legal liability cover – that's more than Budget Direct, Virgin, Westpac and Qantas.
  • The cheapest way to pay is annually – it'll cost you more if you want to pay monthly.

Green Insurer of the Year 2021

As part of the Finder Green Awards, we are pleased to announce QBE as our Green Insurer of the Year. It is clear that QBE is an insurance business taking their sustainability efforts seriously. Notably, the company is sourcing more than 60% of their electricity from renewable sources, as well as committing to numerous external benchmarks such as CDP and DJSI.

Finder green awards 2021
We don't currently have this brand on our panel. But don't fret! You can head to the QBE website or compare a bunch of other home insurance companies with Finder.
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Compare home insurance policies below

1 - 7 of 30
Name Product Building Cover Contents Cover Fire, Storm & Theft Damage Sum Insured Safeguard Online Discount Cheapest way to pay
Budget Direct Home & Contents Insurance
Save 30% on your first year's premium when you purchase a new combined Home & Contents insurance policy online. T&Cs apply.
Youi Building and Contents Insurance
Get a 20% discount on your contents insurance if you have a car insurance policy with Youi. Excludes NSW & SA CTP green slips. T&Cs apply.
Honey Home & Contents Insurance
Monthly or Annually
Sign up and get free smart sensors (worth $250) to install around the home for accident prevention. T&Cs apply.
Bendigo Bank Home & Contents Insurance
Buy a new home or landlord insurance policy by 30 June 2022 and you’ll go into a draw to win $10,000. T&Cs apply.
Seniors Top Home & Contents Insurance
Buy online and save up to 30% on a new home and contents insurance policy. T&Cs apply.
Qantas Home and Contents Insurance
Earn up to 20,000 Qantas Points when you sign up. Plus, you could win a $2,000 bp gift card just by getting a quote. T&Cs apply.
Woolworths Comprehensive Building and Contents
Save up to 20% when you buy a Woolworths Home and Contents insurance policy online. Plus, Everyday Rewards Members will save 10% on their monthly shop. T&Cs apply.

Compare up to 4 providers

What does QBE Home Insurance cover?

QBE offers 3 home insurance policies: Home and Contents Insurance, Home Insurance and Contents Insurance.

Here are some of the main insured events you'll be covered for by a QBE Home Insurance policy:

All policies come with a basic excess, which you'll need to pay whenever you make a claim, and a cooling off period of 21 days. Cancel within this timeframe and you'll receive a full refund if you haven't made a claim on your policy.

Here's a breakdown of QBE Home Insurance features

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Standard features

Here are the 18 standard features that QBE can cover you for if something damages or destroys your home or its contents. For instance, if a storm (insured event) damages your home, you could claim for emergency temporary repairs (feature).
  • Emergency temporary repairs
  • Temporary accommodation costs
  • Temporary storage of contents
  • Improved security
  • Environmental upgrades – contents
  • Environmental upgrades – building
  • Data or software
  • Monitored alarm attendance – burglary
  • Emergency services attendance
  • Mortgage discharge
  • External door and window locks
  • Food spoilage
  • Forced evacuation by government authority
  • Cover when you move house
  • Contents in transit to your new residence
  • Contents included in the purchase of your new residence
  • Building materials awaiting installation
  • Damage by emergency services

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Optional add-ons

QBE only offers 2 optional add-ons:
  • Accidental damage
  • Portable contents

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There are certain circumstances under which your claim will not be paid; these are referred to as exclusions. Some examples include:
  • Intentional, reckless or fraudulent acts
  • Illegal activity
  • Wear, tear, depreciation and rust
  • Rising damp, seepage, mould or mildew
  • Gradual deterioration
  • Actions of the sea
  • Operation of law, war, nuclear material or terrorism
You can find the full list of exclusions in QBE's product disclosure statement (PDS).

Here's QBE Home Insurance complaints review

We looked at home insurance complaint data from the Australian Financial Complaints Authority (AFCA) between July 2020 and June 2021. 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.

Here's an overview of how QBE Insurance (Australia) Limited did:

  • A large percentage of complaints were closed with QBE Insurance (Australia) Limited compared to other insurers.
    • It received a larger number of complaints compared to other similarly sized insurers.

    Bottom line about QBE Home Insurance

    QBE Home Insurance comes with more standard features than many other insurers, including Budget Direct and Virgin, and was awarded our Green Insurer of 2021 award, but it doesn't have the strongest complaints record.

    To compare QBE Home Insurance policies side-by-side with other providers, you can head here.

    Frequently asked questions

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