QBE Landlord Insurance Review

QBE landlord insurance is good if you want comprehensive cover but you can get bigger online discounts elsewhere.

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Gary Ross Hunter

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QBE Landlord Insurance

Key takeaways

  • QBE offers $30,000,000 in legal liability coverage exceeding that of many other insurers.
  • Their policies include environmental upgrades cover a feature often not found elsewhere.

Our Verdict

  1. QBE landlord insurance covers you for up to $30,000,000 in legal liability — that's $10 million more than most insurers we looked at.
  2. It comes with environmental upgrades cover — lots of other insurers don't offer this.

Review by our insurance and innovations editor Gary Ross Hunter

Current offer for QBE Landlord Insurance

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Finder Score Tenant Default and Damage Loss of Rent Accidental Damage Sum Insured Safeguard Cooling-off Period
9.9 Excellent

Optional

The lesser of: Up to 24 months of lost rent, or 20% of your sum insured amount
21 days
Discount: Get 10% off when you buy a new policy online. T&Cs apply.
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QBE Landlord Insurance logo
9.9 Excellent
QBE Landlord Contents Insurance
9.9 Excellent

Optional

The lesser of: Up to 24 months of lost rent, or 20% of your contents sum insured
21 days
Discount: Get 10% off when you buy a new policy online. T&Cs apply.
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QBE Landlord Insurance logo
9.9 Excellent
QBE Landlord Home Insurance
9.9 Excellent

Optional

The lesser of: Up to 24 months of lost rent, or 20% of your sum insured amount
21 days
Discount: Get 10% off when you buy a new policy online. T&Cs apply.
Get a quote View details
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Finder Score for landlord insurance

Finder Score assesses more than 40 home and contents landlord insurance products for their price and features, assigning each product a score out of 10.

Read the full methodology

Landlord insurance you can get through QBE

QBE offers three cover types under landlord insurance:

Buildings and contents

This can cover you for the cost of repairs to your property as well as replacement costs if an insured event, such as storm, fire, theft, or flood, damages or destroys it. This includes protection against theft or damages caused by tenants. It will also cover the contents of your property. It can also cover you for loss of rent if your property becomes uninhabitable.

Buildings cover only

If your rental property is unfurnished, a buildings cover policy makes sense since it will cover you for the residential building which includes any fixed items like sheds and built-in swimming pools.

Contents cover only

If your rental property is in a strata building, then a contents-only policy can look after the belongings inside the home. This is particularly helpful if the property is furnished and can cover you for insured events like fires, theft and more.

Making a claim with QBE

To make a QBE Landlord Insurance claim, take the following steps:

  • As soon as it is safe to do so and if possible, take steps to prevent further loss or damage to your property.
  • Report the incident to the police if something was lost or stolen and get a copy of the report to send to QBE.
  • As soon as you can, you can call QBE on 133 723 to make your claim. Alternatively, you can lodge it online at qbe.com/au.

Who is eligible for a QBE landlord insurance policy?

A QBE landlord insurance policy is suitable for landlords who own a home in Australia used for residential purposes that they rent out to tenants under a leaseagreement, including as a casual or short-term rental (for example via Airbnb) and for those who want financial protection for:

  • loss or damage to their residential rental property;
  • accidental damage to the home;
  • loss of rent due to damage by an insured event;
  • malicious damage by tenants; and
  • legal liability

Frequently asked questions

Can I get cover for loss of rental income?

Yes. QBE covers loss of rental income if your property becomes unliveable due to an insured event (e.g. your tenants are unable to safely live at the property).

Does QBE Landlord Insurance offer flood cover?

Yes. A QBE Landlord Insurance property will cover you for damage caused by storm, storm surge, rain, hail or flood.

Does QBE also offer home insurance?

Yes. You can find out more about its home insurance policy here.

What company underwrites QBE Landlord Insurance?

QBE Landlord Insurance is issued and underwritten by QBE Insurance (Australia) Ltd.

Compare other products from QBE

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Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

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3 Responses

    Sarah Megginson's headshotFinder
    SarahJuly 18, 2024Finder

    Hi Bick,

    We’re a review and comparison site, so you’ll need to contact QBE directly for customer support. You can reach them on 133 723.

    Hope this helps!

    Ani's avatar
    AniMay 23, 2023

    I have a listed air bnb as part of my home. Im owber occupier. The bnb is part of my home with separate access and locked door accessible inside the house.

    I have air cover as part of air bnb but presume I need additional insurance should a guess start a fire for example that damages my part of the house ?

      James Martin's headshotFinder
      JamesMay 26, 2023Finder

      Hi Ani,

      Thank you for reaching out. One option to consider is short term rental insurance. It can offer cover for your entire home, or just the part that’s being rented. You can read more about how this insurance works in our guide to short term rentals. In some cases, landlord insurance policies can offer coverage for short-term room rentals. It’s best to speak with an insurer directly if you’ve any queries about what you will or won’t be covered for.

      I hope this helps.

      Best,

      James

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