qbe house insurance is designed to protect Australian homeowners against structural damage, liability, and loss of personal contents. This guide covers what the product covers, how claims work, and how it compares across price and service levels.
Whether you are renewing, moving house, or comparing providers, the following sections outline core features, eligibility conditions, and practical steps to get the most from your policy.
| Plan Level | Core Coverages | Typical Excess | Best For |
|---|---|---|---|
| Basic | Fire, lightning, explosion, storm, flood | $250 to $500 | Owner-occupiers in low-risk areas |
| Standard | Basic perils plus theft, vandalism, accidental damage | $250 to $500 | Families needing broader protection |
| Comprehensive | Standard plus wear and tear cover, garden, and liability for pets | $500 | High-value homes, landlords, multi-peril needs |
| Rental | Landlord contents, loss of rent, malicious damage | $250 to $500 | Buy-to-let investors |
What Does qbe Home Insurance Cover
Under a standard qbe house insurance policy, core covers include fire, lightning, explosion, storms, floods, and impact damage. These listed perils aim to respond quickly when severe weather or accidents affect your property.
Theft, vandalism, and malicious damage are typically included in mid to higher tiers, helping you replace locks, doors, and damaged fittings without extended delays. Always check the scheduled limits for high-value items such as jewellery and electronics.
Home Structure and Contents Protection
Building and Fixed Fitting Coverages
Building cover applies to walls, roof, floors, and permanently fitted items such as kitchen appliances and bathroom fixtures. Sum insured levels should reflect current rebuild costs rather than market sales price to avoid underinsurance.
Personal Contents and Valuables
Contents cover protects furniture, clothing, and appliances against the same perils as the building, where included. You can add scheduled covers for art, antiques, and collections to ensure agreed values are honoured at claim time.
Claims Process and Service Standards
When damage occurs, the qbe claims process starts with a notification call or app upload, followed by an assessment appointment. Emergency repairs may be arranged immediately to secure the property and prevent further loss.
Assessment teams document damage, verify policy conditions, and provide a rebuild or replacement quote where applicable. Transparent communication and documented timelines help you manage repairs and temporary accommodation with greater certainty.
Key Takeaways for qbe House Insurance
- Accurately insure for rebuild cost, not market price, and update after renovations.
- Review policy perils and excess levels to match your location and risk profile.
- Document high-value items with photos, receipts, and serial numbers.
- Notify claims promptly and keep records of all communications and expenses.
- Compare quotes, service ratings, and cover extensions before renewing or switching.
FAQ
Reader questions
How much sum insured should I set for my home with qbe house insurance?
Base your sum insured on current rebuild costs including labour and materials, using professional estimates or valuation tools, and review this annually or after major renovations.
Are portable appliances and furniture covered under the standard qbe home policy?
Covered portable contents such as furniture, appliances, and electronics are included in most tiers, with scheduled limits for higher-value items subject to applicable excesses.
What happens if my home becomes uninhabitable after a claim?
You may be eligible for additional living expenses or temporary accommodation costs while your home is repaired, subject to policy conditions and documented receipts.
Can I add third-party liability cover to my qbe house insurance
Yes, public liability extensions can be added to protect against claims for injury or property damage caused to visitors or neighbours, with set sublimits per incident.