Home & Contents Insurance



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.


Cover Options

Home Cover

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

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.


Core Insured Products

  • Storm, rain, or flood
  • Falling tree, branch or aerial
  • Lightning or thunderbolt
  • Water or other liquid
  • Fire
  • Explosion
  • Earthquake or tsunami
  • Theft
  • Vandalism and malicious damage
  • Collision
  • Damage by animals
  • Riot


Compare our cover options

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
Contracting purchaser  x
Inflation adjustment
Mortgage discharge
Extra costs of reinstatement x
Legal defence costs $2,500 $5,000
Taxation audit $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
Building costs
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
Guest's property $5,000 $10,000
Contents temporarily removed Yes - limited Yes - limited, includes worldwide
Loss/theft of credit card $2,500 $5,000
Veterinary expenses $500 $750
Identity theft $5,000 $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

Contact Us

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.