The unexpected happens, so when it comes to protecting the things you love consider home and contents insurance. Talk to us today about cover for loss and damage caused by theft or events like fire, storm, lightning, flood and fallen trees. We also have options to increase your cover to protect your possessions caused by everyday accidents both inside and outside of the home.
We all have our valued possessions along with many more we take for granted. There are a surprising number we would need to replace, should the unexpected happen. Home Cover is an insurance solution that can protect your building, contents, or both against loss or damage caused by insured events. Plus, you can tailor your cover, and save when you combine your home and contents insurance.
Home Cover Prestige offers cover for your building, contents, and valuables with the added benefit of accidental loss or damage to your building and/or contents. Home Cover Prestige can also protect your contents away from home when temporarily removed anywhere in Australia and New Zealand, or for up to 90 consecutive days worldwide.
What’s covered depends on your specific policy and the type of cover you have chosen. Read the relevant Product Disclosure Statement (PDS) for full details including limits, exclusions and conditions that apply.
|Additional Benefits||Home Cover||Home Cover Prestige|
|Building sum insured safeguard||Up to 30% more than your building sum insured||Up to 30% more than your building sum insured|
|Environmental upgrades to your building||$2,500||$2,500|
|Environmental upgrades to your contents||$500 per item up to a maximum of $2,500||$500 per item up to a maximum of $2,500|
|Accommodation costs||Up to 12 months or 10% of the sum insured||Up to 10% of the sum insured|
|Extra costs of reinstatement||x||✓|
|Legal defence costs||$2,500||$5,000|
|Fusion of electric motors (up to 10 years)||$2,000||Reasonable costs|
|Forced evacuation by government authority||60 days||60 days|
|Trees, shrubs and plants||$500 per tree, shrub, or plant and up to $1,500 in total||$500 per tree, shrub, or plant and up to $3,000 in total|
|External door locks||$2,500||$2,500|
|Essential temporary repairs||Reasonable costs||Reasonable costs|
|Compensation for death||$5,000||$10,000|
|Building materials awaiting installation||$2,000||$2,000|
|Cover when you move sites||30 days||30 days|
|Contents being conveyed to new residence||x||$10,000|
|Food spoilage||1% of contents sum insured, up to $500||Reasonable costs|
|Accessories, appliances, or spare parts||$1,000 per item, up to $2,000 in total||$1,000 per item, up to $2,000 in total|
|Contents temporarily removed||Yes - limited||Yes - limited, includes worldwide|
|Loss/theft of credit card||$2,500||$5,000|
|Monitored alarm attendance after theft||$1,000||$1,250|
|Replacement of documentation||$1,000||$1,000|
|Fixtures and fittings when you are a tenant or strata title homeowner||✓||✓|
|Extended cover for contents temporarily in storage||✓ - Optional||✓ - limited, under contents temporarily removed benefit|
This Home and Contents Insurance is issued and underwritten by QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239545) (QBE). QPCU Limited T/A QBANK ABN 79 087 651 036 – AFSL / Australian Credit Licence 241413 is authorised to distribute Home and Contents Insurance on behalf of QBE acting under its own AFSL. Any advice provided is general only and has been prepared without taking into account your objectives, financial situation or needs and may not be right for you. To decide if this product is right for you, please read the Home and Contents Insurance Product Disclosure Statement (PDS) and Financial Services Guide (FSG).
Target Market Determination is available here.