QBE Home Insurance Review
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Bonus
Summary
QBE home insurance offers strong protection at a reasonable price point. Plus, impressive discounts are available if you buy online.
Pros
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Receive a 10% discount for combining Building and Contents covers on the same policy. T&Cs apply.
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Finder cost research shows QBE home insurance is cheaper than the national average.
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QBE among a few other brands offer highest cover for legal liability, lock replacement or temporary accommodation.
Cons
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No cover is offered for guest contents. Some brands offer up to $5,000.
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If you want more than $2,500 of jewellery covered, you'll have to pay extra.
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Food spoilage is covered up to $500. Some brands offer up to $2,000.
Details
Product details
| Fire, Storm & Theft Damage | |
| Flood | Yes |
| Accidental damage | Optional |
| Escape of Liquid | |
| Temporary Accommodation | 20% of buildings sum insured - Up to 24 months |
| Replacement of Locks | Up to $2,500 |
| Electrical Motor Burnout | |
| Impact (including fallen trees) | |
| Jewellery | $2,500 |
| Sum Insured Safeguard |
Congratulations, QBE!
QBE Home & Contents Insurance earned a Highly Commended spot for its reasonably priced cover paired with impressive benefits. It boasts high limits for legal liability, lock replacements, and temporary accomodation that make it a solid choice.
- Highly Commended, Best Comprehensive Home & Contents Insurance
Full list of 2025 home insurance winners
Detailed overview of QBE Home & Contents Insurance
| Feature | Definition | QBE’s coverage |
|---|---|---|
| Fire, storm & theft damage | Covers loss from fire, storms, or theft. | Yes |
| Flood | Protects against water damage from flood events. | Yes |
| Escape of liquid | Covers damage from burst pipes or leaks. | Yes |
| Temporary accommodation | Pays for housing if your home becomes unlivable. | 20% of buildings sum insured - Up to 24 months |
| Replacement of locks | Covers costs to replace stolen or damaged locks. | Up to $2,500 |
| Electrical motor burnout | Repairs or replaces burnt-out household motors. E.g fridge, washing machine. | Yes |
| Impact (including fallen trees) | Covers damage from falling objects like trees. | Yes |
| Jewellery | Insures loss or damage to valuable jewellery. | $2,500 |
| Underinsurance protection | Provides extra cover if underinsured during claims. E.g. rebuild costs are $700,000 but you’re only insured for $600,000. | Yes |
Optional add-ons
- Accidental damage - Provides protection for accidental loss or damage to your insured home and contents.
- Portable contents - Extends coverage to items taken outside your home, such as laptops, jewelry, or cameras.
How to make a claim
You can lodge your claim online or by calling QBE's 24/7 claims line at 133 723. The process will look like this:
- Prepare your policy number, details of the incident, photos of the damage, proof of ownership like receipts or bank statements, and any repair invoices.
- A dedicated claims officer will guide you through the process, which may include appointing a QBE Preferred Loss Adjuster to assess the damage. They will inform you of any excess payments and discuss repair or replacement options.
- If repairs are needed, QBE can provide qualified builders to restore your property to standard, managing the process and payments, minus any applicable excess.
- In cases where the property is deemed a total loss, QBE will settle the claim after deducting any excesses and premiums.
Claims information
Looking at the Australian Financial Complaints Authority data, QBE received a total of 813 complaints about their home and contents insurance policies. Of that, 273 complaints were resolved, giving QBE a resolution rate of 33.57%. Compared to other very large insurers, this is on the lower side. See more detail below.
Compare other products from QBE
Frequently asked questions
Peta Finder
Publisher of Insurance
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Sarah Megginson Finder
January 05, 2024
QBE has a number of office locations, but not branches. You can find them here: https://www.qbe.com/au/contact-us/branches-offices
Mal mac
November 26, 2023
do you have shop fronts?