home insurance cover note qld

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Peace of mind when it matters most

Get Storm and Flood Cover automatically included with all Suncorp Home Insurance products. *^

Terms & Conditions apply. Please read the PDS for full details

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Great value insurance with the awards to prove it

Suncorp Contents Insurance has been recognised with Canstar’s Outstanding Value Award three years in a row.

Explore our Home Insurance products to find the one that's right for you

Home & Contents Insurance

Save $100 off

when you quote and buy online #

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We know it's important to protect the things that really matter in your life, which is why you can rest assured with our 3 levels of Home and Contents insurance.

• Floods*, storms, fire ^ and theft
• Loss or damage to your home and its contents from insured events
• Temporary accommodation if your home cannot be lived in, due to an insured event
• Injury to pet dogs and cats (an optional cover)

Building Insurance

Save $50 off.

Find out more

We'll help protect one of your most important assets by covering your home, garages, and sheds.

• Loss or damage to your garage, shed, and permanently attached fixtures, like solar panels
• Loss or damage to your tennis court, fixed swimming pools, or spa.

Contents Insurance

Replacing your home's contents can really add up. Let us help you make sure the things that make your house a home are covered.

• New for old replacement and 24/7 online claims
• Loss or damage to your home contents from insured events like floods*, storms, fires ^ , and theft
• Personal and portable valuables like bikes and laptops, anywhere in Australia and New Zealand (an optional cover with varying limits).

Looking for something else?

Landlord Insurance

We understand that sometimes as a landlord, things can feel out of your control. It’s ok – we’re here to help.

• Loss or damage to your investment property from insured events
• Loss of rent if your tenant fails to pay. Limits, exclusion and conditions apply.
• Damage caused by flood*, storms, fires ^ , and theft
• Loss of rent if your property cannot be lived in or cannot be re-leased following an insured event. Limits, exclusion and conditions apply.

Strata Insurance

When you own a home that shares common property, things can get complicated. We make it simple with our Strata Insurance.

• Loss or damage to its common areas, like garages, driveways, and swimming pools
• Legal liability to pay compensation for death, illness, or bodily injury

Renters Insurance

If you're renting, you probably don't need to insure the building but you may still want cover for your contents - we can help.

• New for old replacement for your lost or damaged items
• Loss of damage to your home contents from insured events like floods*, storms, fires ^ , and theft
• Injury to pets dogs and cats (an optional cover)

Did you know our Home insurance policies include automatic cover for water damage?

Exclusions apply*

How to save on your Home Insurance

15% multi-policy discount

Combine any 3 or more eligible policies and get a 15% multi policy discount.

See Terms and Conditions

Online discounts

Get up to $100 off when you buy your policy online. #

6% seniors discount for Queenslanders

If you have a Queensland Seniors Card you’re eligible for a discount

Vary your excess

If you increase your standard excess you can save on your premium

If you’re eligible for more than one discount, we apply each in a predetermined order to the already discounted premium.

Find out more about ways to save

Frequently Asked Questions

Suncorp offers three levels of Home & Contents Insurance: Classic Home and Contents , Classic Extras Home and Contents , and Classic Advantages Home and Contents . You can compare the three types of cover on our website to see which product is right for you and suits your needs.

To avoid being underinsured, your home and contents sum insured should reflect what it would cost to rebuild your house or replace your contents at today’s prices.

After the numerous flooding events throughout the country in recent years, it is important that we provide our customers with flood cover even if it is unlikely a flood will occur at their address.

Yes, your home is covered if it is unoccupied, however an additional excess applies to any claim made during this time if the home has been unoccupied for more than 60 consecutive days.

The Product Disclosure Statement (PDS) and your Certificate of Insurance (found in the Suncorp Insurance App and your My Suncorp account ) both contain detailed information regarding what is and isn’t covered under your policy.

Your Suncorp policy provides you with up to $20 million legal liability cover.

Legal liability covers your liability to pay compensation for death or bodily injury to other people or loss or damage to their property resulting from an incident, which happens in connection with you owning or living in the home at the insured address. For instance, if a person was to come onto your property and injure themselves by tripping whilst climbing the stairs, the Home legal liability component of your policy would respond if you were found legally liable for the injury sustained and damages were sought from you.*

Legal liability on contents also covers your liability to pay compensation for an incident, which causes death or bodily injury to other people anywhere in Australia or New Zealand. So if you were playing golf at your local golf club and your ball was to strike another player causing injury, the contents legal liability component of your policy would respond  if you were found legally liable for the injury sustained and damages were sought from you*.

* This example assumes your claim was not otherwise excluded by your policy.

Both carpets and rugs are covered as part of your Suncorp Contents Insurance policy. Limits apply to carpets or rugs that are hand woven or hand knotted, so refer to the PDS for more information.

Make a claim

When an assessor comes to your home, the appointment may take anywhere from 30 minutes to several hours to complete. The assessor can give you a clearer indication of this when they call you to book your assessment.

A home claim assessment determines the outcome of your claim after loss or damage to your home and/or contents. Once you’ve lodged your claim, we’ll organise for an assessor to contact you to arrange a time to attend your property and inspect the damages or loss.

Each of Suncorp's insurance products utilise a five-stage product lifecycle (Design, Delivery, Review, Enhance/Modify and Decommission). This approach allows us to put you, the customer, at the centre of our product development and distribution.

• Product Development and Distribution Policy

View all FAQs

# Offer available only for the purchase of a new eligible policy of insurance issued by AAI Limited ABN 48 005 297 807 AFSL 230859 trading as Suncorp Insurance. Discount will be applied upon purchase of the new eligible policy of insurance and subtracted from the price of the premium. If you’re eligible for more than one discount, we apply any subsequent discount to the already discounted premium (usually before adding taxes and charges).

*Actions or movements of the sea and loss or damage caused by storm surge (unless the storm surge damage occurs at the same time as damage caused by a storm) are not covered. We don't cover retaining walls or flood damage to wharves, jetties, pontoons, other exclusions apply.

We do not cover water damage caused by wear and tear or the gradual leaking of liquid, e.g. leaking shower bases. See PDS for more details. The Target Market Determination is also available

^ We do not insure you for bushfire, storm, storm surge, flood or tsunami in the first 72 hours of your policy. Very limited exceptions apply.

Find out what our Home Insurance customers think

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Reviews are independently verified and detail our customers' real experiences.

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Suncorp Roadside Assist

Whether it's a flat tyre or a breakdown, if you can't get started, we're here to help.

Available as an optional cover with our 3 levels of Comprehensive cover, Suncorp Roadside Assist gives you confidence when you're on the road. 

• 24/7 support, regardless of who's driving
• Unlimited service call-outs across Australia (terms and conditions apply)
• All for a low annual cost, with no extra joining fee.

First eligible policy

If you first purchase or have an existing Suncorp Car, Suncorp QLD CTP, Suncorp Motorcycle or Suncorp Home and/or Contents insurance policy, you will be eligible for this campaign. Refer to the T&Cs .

Second new eligible Policy purchased

• If you first purchase or have an existing Suncorp Car or Motorcycle policy, you can get 20% off new Suncorp home insurance.  (‘New Suncorp home insurance’ excludes landlord and strata insurance)
• If you first purchase or have an existing Suncorp Home or QLD CTP policy, you can get 20% off new Suncorp car insurance.  (‘New Suncorp car insurance’ excludes QLD CTP and Suncorp Roadside Assist)

Refer to the T&Cs .

Buy Car & Home insurance to Save 20% off your second policy before 31 July!

New Customers

When you buy a new eligible Suncorp policy , you will then be provided a link to save 20% off your second new eligible policy .

Current online discounts applied to the first policy only. Second policy will receive 20% off. Refer to full T&Cs

Existing Customers

If you already have an existing eligible policy , you can get 20% off your second new eligible policy .

Login to my account

Current online discount not available in conjunction with this offer. Refer to full T&Cs

For Assistance Call   13 11 55

Substantially Damaged

When your home is substantially damaged by an insured event (meaning the assessed quote to repair or rebuild is at least $50,000 or 10% of your home sum insured, whichever is more). Please refer to PDS for full Details.

Examples of resilience options

Cyclone and storm

 Swap existing materials for more resilient materials (eg tiles instead of carpet)

 Install cyclone washers and roof sarking

 Install cyclone shutters / metal roller blinds / garage door bracing

 Raise external services around the home (eg air conditioning units, hot water systems, pool pump)

 Install metal gutters and metal gutter guards with apertures less than 1.8mm

 Install draught stoppers for windows and doors

 Install roof sprinklers

Other Common Claims

 Replace and install all flexi hoses in the home

 Install solid core doors or upgrade deadlocks

The above are examples only. Resiliency building enhancements will be discussed with eligible customers who meet the claim requirements and will depend on the level of cover they hold.

Full list of insured events

Flood means the covering of normally dry land by water that has escaped or been released from the normal confines of things like a lake, river, reservoir, canal or other natural watercourse.

Actions or movements of the sea or storm surge are not covered. Some things we don't cover are damage to retaining walls, jetties, pontoons and garden borders.

Loss or damage caused by fire (includes bushfire) and heat, ash, soot and smoke that is a direct result of a fire within 100 metres of the insured address.

It doesn’t include arcing, scorching or cigarette burns unless a fire spreads from the initial burn spot.

Pollution or vapour damage by a home heater or cooking appliance is covered if a fire spreads from the initial source.

If there is a bushfire in your area, we also cover the cost of replacing water in any tank, container, pool, spa and any other storage vessel, even if there is no physical damage to your property. The most we will pay is $1,000.

Malicious acts

Malicious acts or vandalism includes things like vandals damaging your letterbox or painting graffiti on your home.

It doesn't include damage caused by someone who lives or is staying at the insured address or who entered the insured address with your consent.

Impact covers damage caused by impact from things like a falling tree, power poles, tv antennas, aircrafts, motor vehicles and even space debris.

It doesn't include damage caused by trees being lopped, felled or transplanted by you or for you.

Storm means a storm, cyclone or severe atmospheric disturbance. It can be accompanied by strong winds, rain, lightning, hail, snow, or dust.

It includes loss or damage caused by a landslide or subsidence within 72 hours of, and directly because of, a storm and not because of erosion, structural fault or design fault.

Theft and burglary

Theft or burglary occurs when someone enters the insured address without your consent and steals or intends to steal items.

We don't cover loss or damage caused by thieves or burglars entering the insured address from common property without signs of forced entry, or loss or damage caused by anyone living at the address.

• Fire (including bushfires) ^
• Malicious acts and vandalism
• Storm and cyclone ^

Damage by animal

This covers loss or damage caused by an animal that becomes accidentally trapped inside your home.

We don't cover damage caused by any animal you own or are responsible for, or has been allowed onto the insured address, or damage caused by insects, vermin or rodents (unless the damage they caused is covered under fire or escape of liquid).

Riot and civil commotion

An example of a riot, civil commotion or public disturbance event would be damage caused by a violent crowd moving down your street.

It doesn't cover loss or damage caused by someone who had consent to enter the insured address and doesn't cover loss or damage if anyone living at the insured address participated in the disturbance.

We cover loss or damage caused by an explosion but we don't cover the cost of repairing or replacing the container or tank that exploded.

Escape of liquid

This covers damage caused by liquid leaking, overflowing or bursting from things like your fridge, washing machine, bath (but not shower), toilet, fixed pipes (except agricultural pipes), swimming pool, water main, fixed cooling system or an aquarium.

We do not cover the cost of fixing the leak itself, wear, tear and gradual deterioration or loss or damage as a result of a gradual process of liquid leaking, splashing, dripping or overflowing. See the PDS for more details on what we don't cover.

Lightning, including power surges caused by lightning, will be covered providing a qualified repairer gives written confirmation to show lightning as the cause of loss or damage and the Australian Government Bureau of Meteorology has a record of lightning in the area.

Earthquake and tsunami

We cover damage that occurs within the first 72 hours following an earthquake or tsunami.

This includes cover for damage caused by a landslide or subsidence within 72 hours of, and directly because of, an earthquake or tsunami. It doesn't cover damage caused by erosion over time or a structural or design fault.

• Damage by an animal
• Riot, civil commotion or public disturbance
• Escape of liquid e.g. burst pipe
• Earthquake and tsunami ^

# Actions or movements of the sea and loss or damage caused by storm surge (unless the storm surge damage occurs at the same time as damage caused by a storm) are not covered. We don't cover retaining walls or flood damage to wharves, jetties, pontoons, other exclusions apply. ^ We do not insure you for bushfire, storm, storm surge, flood or tsunami in the first 72 hours of your policy. Very limited exceptions apply.

Damage from physical injury or incident

We’ll cover you for loss or damage to and /or soiling of your contents as a result of physical assaults or death.

Fatal injury compensation

We’ll make a payment to your estate if you die within 12 months as a direct result of an event we cover occurring that also resulted in a claim for damage to your home being accepted.

Prevention of access when you have home cover

We’ll cover your reasonable temporary accommodation costs if your home becomes inaccessible from an incident such as burst water main (see PDS for full list of incidents).

Removal of debris

We’ll cover the cost to demolish and remove damaged parts of your home and remove debris from your insured address after an insured event.

Accidental damage at the home

We’ll cover loss or damage to your home that occurs without intent e.g. losing, breaking or damaging something.

Safety net home protection

This provides a buffer if the cost of repairing or replacing your home is more than the amount you insured it for. For example, with a 25% Safety Net, if your sum insured is $400,000, we’ll cover you for an additional $100,000 for a total of $500,000. An extra premium applies if you choose to add this option to your Classic cover, but if you choose Classic Extras or Classic Advantages cover, Safety Net is included automatically.

Prevention of access

Exploratory costs where leak is not covered under insured event ‘Escape of liquid’

We’ll cover your costs to locate the source of liquid escaping or overflowing at the home and to repair and restore the damage to your home caused by exploratory work.

Limits apply - see the PDS for further details.

Security attendance fees

We’ll cover the fees charged by your security provider to respond to your monitored alarm if activated by a break in or attempted break in. Limits, exclusions and conditions apply.

Lock replacement

We’ll cover the costs to replace or recode your home’s external door or window locks if your keys are stolen anywhere in Australia or New Zealand.

Mortgage discharge costs

If we pay a claim for your home to a credit provider that fully repays your home loan we’ll pay the administrative and legal costs of discharging the mortgage or deleting the mortgagee from your home’s land title.

Environmental improvements

We’ll contribute to the costs associated with purchasing and installing environmental improvements such as rainwater tanks, solar systems or compost equipment. Limits, exclusions and conditions apply.

Damage to gardens and plants

We’ll cover the cost to replace trees, shrubs, plants, hedges and garden beds if they have been damaged as a result of an event we cover that also caused damage to your home at the same time for which we have accepted a claim.

Other repair/rebuilding costs

When we rebuild or repair your home we’ll cover extra costs for: the services of professionals such as architects or surveyors; temporary work required to make your home safe; and ensuring the damaged parts of your home comply with current building regulations.

The most we will pay under this cover for any one incident, is the building sum insured, less any amount paid for accidental loss or damage under any other part of your policy for the same incident.

Limits, exclusions and conditions apply.

We’ll cover the cost to demolish and remove damaged parts of your home after an insured event.

Energy costs for loss of supply of renewable energy

If an event that we cover damages your home and we have accepted a claim and your green energy generation equipment is also damaged at the same time we’ll cover the increase in your electricity costs that you incur due to the damage to the green energy generation equipment.

Storage of undamaged contents

We’ll cover the cost of storing undamaged contents after an insured event.

Temporary accommodation costs

We’ll cover temporary accommodation costs if you aren’t able to live in your home due to an event that we cover causing damage to your home and cannot be lived in. Limits, exclusions and conditions apply. 

Personal valuables

You can cover your personal items that you would normally carry with you away from your home, such as jewellery, mobile phones and laptops. Check the PDS for the full list of items and how you can cover them.

Collections, sets and memorabilia

Including stamps, stamp collections, collectors’ pins, medals and collectors’ non-negotiable currency.

Prevention of access when you have contents cover

We’ll cover your reasonable temporary accommodation costs if your home or unit becomes inaccessible from an incident such as a burst water main (see PDS for full list of incidents).

Contents in commercial storage

We’ll extend your contents cover to cover your contents stored in a secure commercial storage facility for loss or damage caused by an event we cover. Limits, exclusions and conditions apply.

Contents temporarily removed

We’ll cover your contents for loss or damage by an event we cover if they are temporarily removed to another residence in Australia in which you are temporarily residing (such as a hotel), or in a bank deposit box and an event occurs at this new location.

Financial transaction card cover

We’ll cover your loss if your credit cards or other financial transaction cards are stolen from the home and used fraudulently. Conditions apply.

Visitors’ contents

We’ll cover loss or damage to contents owned by invited visitors caused by an event we cover. Limits, exclusions and conditions apply.

Food and medication spoilage

We’ll cover spoilage of refrigerated food, frozen food and refrigerated medicines. Limits, exclusions and conditions apply.

Contents in transit

We provide some cover for contents in transit and storage within Australia. This is an additional cover that comes with your policy at no extra cost. Limits, exclusions and conditions apply.

Supplementary living expenses

We’ll cover you for reasonable increases in your normal living expenses to maintain your normal standard of living following an event that we cover if, as a result of the event, your insured address cannot be lived in.

Contents on common property

We’ll cover contents attached to common areas if your contents are insured in a unit.

Extra costs to re-establish important documents

If we accept a claim under your contents cover, we’ll cover your costs to replace documents, such as passports and licences, if they are also lost or damaged as a result of the event that occurred.

We’ll make a payment to your estate if you die within 12 months as a direct result of an event we cover occurring that also resulted in a claim for damage to your contents being accepted.

Paraplegia or quadriplegia assistance

We’ll pay reasonable and necessary costs to modify your home or assist you to relocate to a new residence if you are injured as a direct result of an event that we cover where we have accepted a claim to your home for that event.

We’ll cover the cost to dispose of your damaged contents after an event that we cover.

Temporary accommodation for tenants or strata title owners

We’ll cover temporary accommodation costs if you aren’t able to live at the insured address due to an event that we cover causing damage to the home and cannot be lived in. Limits, exclusions and conditions apply.

Injury to pet dogs and cats

If a pet dog or cat shown on your certificate of insurance is injured in an incident, we’ll pay for necessary veterinary treatment (up to $2000 per accident). Extra premium and injury to pet dogs and cats excess will apply.

Motor burnout

Covers the burning out or fusing of electric motors that are part of your home and equal to or less than 10 years old. This includes the motor in things like portable air conditioning units, washing machines and fridges (if you have contents cover). An extra premium applies if you choose to add this to your Classic cover while if you have Classic Extras or Classic Advantages it is automatically included in your cover.

We’ll cover loss or damage to your contents that occurs without intent e.g. losing, breaking or damaging something.

Portable advantages

Cover your:

• contents for accidental loss or damage anywhere in Australia or New Zealand when they are temporarily removed from the insured address (up to 180 consecutive days); or
• jewellery and watches when they are outside Australia and New Zealand for up to 100 consecutive days (but only when worn by you or secured in a safe).

We don’t offer this feature online – call us on  13 11 55  to find out more. Extra premium applies.

Cover for personal valuables you would normally carry with you away from your home, such as jewellery, mobile phones and laptops. Check the PDS for the full list of items and how you can cover them.

Legal liability

If you have property cover we’ll cover your legal liability to pay compensation for death or bodily injury to other people; or loss or damage to their property resulting from an incident in connection with you owning the property and which happens at the insured address.

Accidental damage at the property

We’ll cover loss or damage to your property or contents that occurs without intent e.g. losing, breaking or damaging something. Conditions apply.

Covers the burning out or fusing of electric motors that are part of your household equipment or appliance which are part of your contents and where the motor is equal to or less than 10 years old. This includes the motor in things like portable air conditioning units, washing machines and fridges. An extra premium applies if you choose to add this option to your cover. This optional cover has its own excess, and the standard excess does not apply.

Safety net protection

If the cost to repair or replace your property is more than the sum insured you nominated by having this option on your policy we will pay an additional percentage of your property sum insured to repair or replace your property or pay you what it would have cost us to do this.

We will cover loss or damage that occurs without intent (i.e. losing, breaking or damaging something)

Net cost is the amount you spend after deducting any government subsidy to which you are entitled to at the date of the loss, whether you claim this subsidy or not. You must supply us with proof of the amount you spent before we will pay you.

Accidental Glass Breakage

When you have home cover, this covers things like fixed glass in windows, doors, skylights, shower-bath combos, toilets, basins, baths and the glass that forms part of a fixed cooking or heating appliance.

This doesn’t cover loss or damage caused by the broken items.

Modal Title

Excess-Free Glass with Suncorp Home Insurance

Repair your broken glass with no excess payable

Whether it’s a shower screen, window, fixed mirror or skylight, repairing accidentally broken glass can be expensive and time consuming. But, with this optional cover for your Home Insurance policy, you can get it done without paying an excess.

What’s included

• Reasonable and necessary costs to repair or replace fixed glass in windows, doors, skylights and shower screens, in your home.
• Costs for repair or replacement of frames in windows, doors and shower screens, if necessary to enable the glass to be replaced.
• No excess to pay when your claim is only for the broken fixed glass.
• Access to trusted glass repairers.

Exclusions Apply

This optional cover is for certain fixed glass only, so it doesn’t apply to things like drinking glasses, vases, or TV screens.

Exclusions apply

For more detail, including limits, conditions and exclusions, refer to the Product Disclosure Statement (PDS) .

Suncorp Insurance Home Assist

General maintenance

Suncorp Insurance Home Assist does not cover general maintenance, such as the provision or replacement of windows, doors, glass, tiles, carpets and of fittings and fixtures. Other exclusions apply — Read the Suncorp Insurance Home Assist  Terms & Conditions .

Preventative services

Suncorp Insurance Home Assist does not cover preventative services, such as the removal of property, rubbish or debris. Read the Suncorp Insurance Home Assist  Terms & Conditions .

Disaster response

Suncorp Insurance Home Assist is not an emergency rescue or disaster response service. Read the Suncorp Insurance Home Assist  Terms & Conditions to find out more.

Where an emergency situation poses a risk to your personal safety or property, or the personal safety and property of any other person, contact the appropriate emergency or rescue services.

Offering help from a plumber, electrician, locksmith or carpenter if you have a home emergency.

How you could get help from selected emergency tradies

Suncorp Insurance optional Home Assist can offer you help from a plumber, electrician, locksmith or carpenter for a sudden and unforeseen home emergency. So, if you’re faced with something like a burst pipe or broken door key, Home Assist could help get it sorted.

FYI, it won’t help with general maintenance , preventative services  or disaster response . Some geographical limitations apply to availability of cover, and cover is not available within the first 24 hours of taking out Home Insurance, or adding the optional cover to your policy.

Tradies available 24/7

Electrician

How it works

For assistance in a home emergency — that is, a sudden and unforeseen incident which requires urgent attention — call 13 22 44 .

• 3 excess-free callouts within your policy period
• Repair materials, up to $50
• Up to 2 hours emergency assistance per callout
• A trusted network of tradies

1 Year free Safety Net Protection

Quote and purchase online from 30th Sept 2022 – 12th Jan 2023. Not available with any other offers. Free for first period of insurance.  T&C's apply

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COOKIE AND DATA POLICY We use cookies and other related technologies to improve and tailor your website experience. See our  Cookie and Data Policy . This policy provides information about how Suncorp collects and uses data related to your online activity, and how you can choose to remain anonymous.

Products and services including banking, home loans and insurance are provided by different entities of the Suncorp Group. Suncorp Bank (Suncorp-Metway Ltd ABN 66 010 831 722) is only liable for the banking and home loan products or services it provides and not the products and services of other companies in the Suncorp Group.

Any advice has been prepared without taking into account your particular objectives, financial situation or needs, so you should consider whether it is appropriate for you before acting on it. Please read the relevant Product Disclosure Statement before you make any decision regarding this product. The Target Market Determination is also available.

GENERAL INSURANCE General Insurance (including Home Building, Home Contents, Landlord, Strata, Car, CTP, Motorcycle, Caravan, Motorhome, Boat Insurance, Business Insurance and Barristers Insurance) is issued by AAI Limited ABN 48 005 297 807 trading as Suncorp Insurance.

SUNCORP HEALTH INSURANCE Suncorp Health Insurance is issued by nib health funds limited ABN 83 000 124 381 (nib), a registered private health insurer, and is marketed by Platform CoVentures Pty Ltd ABN 82 626 829 623 (PC), a Suncorp Group company. PC is an authorised agent of nib and receives commission from nib. Read the  policy booklet  before buying this insurance.

SUNCORP LIFE INSURANCE Suncorp Life Insurance products, other than in some circumstances the Redundancy Benefit, are issued by TAL Life Limited ABN 70 050 109 450 AFSL 237848 (TAL Life) which is part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). TAL companies are not part of the Suncorp Group. TAL Life uses the Suncorp brand under licence from the Suncorp Group. Redundancy Benefit provided on or before 31st March 2020 was issued by AAI Limited ABN 48 005 297 807 AFSL 230859 (AAI) which is part of the Suncorp Group. New Redundancy Benefit policies and renewals offered from 1st April 2020 are issued by TAL Life. The different entities of TAL and the Suncorp Group of companies are not responsible for, or liable in respect of, products and services provided by the other.

Any advice on this page in connection with the Life products is general in nature and is provided by Platform Ventures Pty Ltd ABN 35 626 745 177 AFS Representative Number 001266101 (PV). PV is part of the Suncorp Group and an authorised representative of TAL Direct Pty Limited ABN 39 084 666 017 AFSL 243260 (TAL Direct). General advice does not take into account your individual needs, objectives or financial situation. Before you decide to buy or to continue to hold a Life Product you must read the relevant Product Disclosure Statement . The Target Market Determination (TMD)  for the product is also available.

TAL Life is proud to have adopted the Life Insurance Code of Practice (Code) . The Code has been developed voluntarily by the Life Insurance industry to promote high standards of service to consumers, provide a benchmark of consistency within the industry, and establish a framework for professional behaviour and responsibilities.

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Home Insurance QLD

Start your search for the best home insurance in queensland - and don’t forget to add the important things like flood or storm cover..

Home insurance brands

In this guide

Home insurance brand - QLD: Youi Home Insurance

What's the best queensland home insurance, why do i need home insurance, what should i consider when purchasing home insurance in queensland, what type of home insurance can i get in qld, how much does home insurance cost in qld, i live in a high-risk area. how does this affect my insurance, what insurers can i access in queensland, are there any exclusions and additional costs i should be aware of, how can i find north queensland home insurance, what do north queenslanders need to be covered for, what is the cost of north queensland home insurance.

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A Queensland home and contents insurance policy can protect you financially when something unexpected occurs, whether that's theft, accidental damage or Queensland's often unpredictable weather.

Bushfires, cyclones and storms are not rare occurrences in the sunshine state, so protecting yourself with home and contents insurance is a smart way to ensure you won't suffer financially when the next big thing hits.

The Finder Customer Satisfaction Awards recognise Australia's favourite brands across a huge number of categories. We survey thousands of real Australians to understand how they feel about their recent product purchases, and use that information to reward the most popular brands.

Here is the 2021/2022 winner and finalists for home insurance in Queensland.

• RACQ Home Insurance
• RAC Home Insurance

It's hard to say who's going to be the best for everyone, because it's entirely dependent on your living situation. However, to help you make a decision, here are the top 3 popular brands that people choose from Finder when looking at home insurance for Queensland.

Here are our the top 3 most popular brands for homes in Queensland:

A study by finder.com.au found that damage from major cyclones from 2011-2016 resulted in more than $1.4 billion worth of uninsured losses, or 57% of the overall cost. Given how Queensland is prone to natural disasters, it's more important than ever for people to protect their property.

Here are just a few reasons why purchasing home insurance is a great idea for those in Queensland:

• Your home is your most important asset. Buying a home costs hundreds of thousands of dollars (or more in some capital cities), so protecting your investment makes perfect financial sense.
• You can’t predict the future. Home insurance is something that you take out and hope you will never have to use. While most people will never have to make a claim on their policy, the simple fact is that you can’t predict the future and disaster can strike at any time. Home insurance provides financial protection if something ever goes wrong.
• Protection against a wide range of risks. The best home insurance covers you against a broad range of risks, including damage from fires, storms, impacts, floods and vandalism. It even covers your legal liability. Queensland residents should ensure they have adequate cover against bushfires .
• Home insurance provides peace of mind. Home insurance is an important investment to guarantee your peace of mind. No matter what the future may hold, if you have a policy in place, you can rest assured that your home and your treasured possessions will be protected.

There are several factors you need to take into account when choosing home insurance in Queensland.

Some of those factors are down to you personally, such as how much cover you want and how much you’re willing to pay for home insurance.

However, other factors will vary depending on where you live in Queensland. For example, if you live in Far North Queensland, you should have a policy that provides protection against loss or damage by tropical cyclones.

In parts of the state’s south-east where severe storms are a common threat during spring and summer, you’ll want to ensure that you have adequate protection against storm damage. And if you live close to the Brisbane River in a low-lying suburb, flood cover is a must .

Apartment owners also have slightly different cover needs to those who live in detached houses, so it’s important to carefully assess your cover requirements before choosing a policy.

It's the same as any other state. Queensland homeowners can choose from three types of home insurance:

Home insurance Also known as building insurance or building-only cover, this type of policy provides cover for your home and other fixtures on your property against damage from fires, storms, theft, vandalism and more.

Contents insurance Contents insurance provides cover for your possessions and household items against the same risks as building-only cover.

Home and contents insurance Home and contents insurance combines the benefits of the two policies above to provide comprehensive protection for your building and your possessions.

We should look at Northern Australia and Northern Queensland as the canary in the coal mine, in the sense that climate change has been coming for a long time in these areas. These insurance price rises have been coming for a long time as well. And we've been consistently looking the other way.

Paula Jarzabkowski - Financial disaster expert

Several competing factors affect the cost of home insurance in Queensland. So it's hard to give you an actual estimate for your home insurance policy because the price will differ for every home.

Instead, we collected a bunch of quotes for a home in Queensland so that you can at least get a rough estimate of what you could pay. If you live in North Queensland, you might notice a higher premium than these.

Here's our brief criteria:

• Building & Contents. For a building worth $500,000 and contents valued at $100,000.
• Contents only. For contents valued at $100,000.
• Building only. For a building worth $500,000.

Learn more about our methodology

• Quotes were obtained for the same 3-bedroom home in Brisbane, Queensland owned by a family of two.
• Building replacement costs for all quotes were $500,000, with an excess of $500.
• Contents were valued at $100,000.
• Quotes were obtained in November 2021 and were for a combined home and contents insurance policy, a contents insurance policy and a building insurance policy.
• Home owning family of two who moved into their property in 2019.
• Three bedroom, 1 story freestanding house on flat ground with brick veneer walls, terracotta tiled roof, no verandas and built in 1980.
• Windows secured by deadlocks, with no security devices.

While the core advice around insurance is the same for everyone, it's worth emphasising a few important considerations for people in high-risk areas.

Understand your geography

Priority support, waiting periods, increased premiums, what if i'm denied.

No matter where you live, it is always a good idea to find a policy that is suited to your specific geographic conditions. This is especially important for people in high-risk areas given the strength of the local weather events and the magnitude of potential loss.

Here are some common weather events and where they are likely to occur. Double check that your policy covers these events, because not all policies cover all weather events:

• Tropical Cyclones. These are common to Far North Queensland and people in this region should have a policy that provides protection against them.
• Severe storms. These are common to parts of south-east Queensland during spring and summer, you'll want to ensure that you have adequate protection against storm damage.
• Floods. Any low-lying area of Queensland near a body of water . You'll need to make sure you are covered for flooding specifically, as storm cover alone may not be enough. It's also important to note that storm surges are often not considered flooding for insurance purposes.

• Creating a priority claims process. This allows those most affected to have their claims assessed promptly, while less urgent claims are pushed to the back of the queue.
• Creating a disaster hotline. This gives people a way to inquire about their insurance details and ask questions about the claims process.
• Mobilise support on the ground. This provides direct support to local services and affected policyholders.
• Establishing a task force. This allows the council to react to unexpected issues in real time.

Australian home insurance providers usually aren’t state-specific, which means Queensland homeowners can access cover from an extensive range of trusted insurance brands. If you want to dive deeper into a specific company, we've got reviews for some of the main insurers available in Queensland:

• Australia Post
• Australian Unity
• Bank of Queensland
• Real Insurance
• Virgin Money
• Budget Direct

Before choosing any home insurance policy, make sure you read the list of general exclusions for details of when your policy will not provide any cover. The following exclusions are fairly common:

• No cover when you leave your home unoccupied for more than 60 days.
• No cover if you fail to properly secure your home.
• No cover for a home business.
• No cover for cyclone or flood damage within the first 72 hours after purchasing cover.
• No cover for any claims that arise due to your involvement in illegal activity.

It’s also important to be aware that stamp duty is charged on home and contents insurance premiums in Queensland at a rate of 9%. Remember to factor this into your equations when working out the total cost of cover.

If you live north of Rockhampton, you would be familiar with crazy weather conditions that can cause significant damage to your area. Whether it is a tropical cyclone, flooding or heavy storms, these sorts of events could cause you some strife, so finding the right home and insurance for you will help you on your feet again

Many insurers will cover North Queenslanders, but the cost will probably be higher than other parts of Australia, due to the area being high risk for weather damage. It's good to be prepared well ahead of time, as most insurers have a 72 hour period without cover immediately after purchasing. Asking for quotes from a number of insurers will help you compare prices, and some insurers may even match or beat the cost of other companies, which is great for your hip pocket.

You may find an insurance broker helpful to discover a home insurance policy that covers all the intricate details you need for your property in North Queensland. Insurance brokers are the experts in this area, and it's their job to provide insurance advice that's in your best interest, allowing you to make an informed decision and find the policy that's right for you.

As a high-risk zone, there are several severe weather events that you should be covered for if you're living in North Queensland, including loss or damage from cyclones, floods and storms.

Ensure you're covered for these extreme weather events with your home and contents policy, including flood cover. Some policies do not automatically cover this scenario and it may raise your premiums further, but it's one of the most important weather events to protect yourself from in flood-prone North Queensland. Again, this may be where an insurance broker comes in handy, as they will be able to pinpoint items or scenarios that need cover that you haven't thought of. Double check the policy exclusions, and if there's something your excluded that you feel you need, see if you can add it on as an extra before purchasing.

Your policy will most likely cover you for financially for other situations too, including theft, fire, vandalism, explosions and accidental damage.

Due to the frequency of natural disasters, you may find you have to pay more for your premiums. North Queenslanders pay one of the highest premiums for home and contents insurance in Australia because of cyclone risk. As insurers pay out large sums of money for previous events, annual premiums go up.

Strengthening components of your house can reduce insurance premiums, such as strengthening roofs to protect from wild elements, protecting windows or updating old homes to meet modern building codes.

Why you can trust Finder's home insurance experts

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Jessica Prasida

Jessica Prasida is a publisher for Finder specialising in travel and home insurance. She loves travelling and is a wannabe dumplings master. Jess has a Bachelor of Business from the University of Technology Sydney and a Tier 1 General Insurance qualification. She is currently studying a Master of Marketing.

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Queensland Home Insurance

You’re in good hands. AAMI is the trusted insurer of around 800,000 Aussie households.

Not from Queensland?

Lucky you're with AAMI

Get a quote

Retrieve my quote

What Home Insurance do I need in QLD?

Wild weather is a fact of life in Queensland. That’s why AAMI offers Queenslanders home insurance that covers storm and flood, along with a range of other insured events.

Home & Contents

Suitable for

Home Owner Occupiers

when you quote and buy online

What's included?

• Repair or rebuild of your home
• Repair or replacement of your contents

Temporary accommodation

What’s optional?

Accidental Damage at Home

• Excess-Free Glass

AAMI Home Assist

Complete Replacement Cover

• Cover for specified valuable items
• Cover for portable valuables

Get more info

Policy document downloads Product Disclosure Statement (PDS)

Building Only

• Lifetime guarantee on authorised repairs

Contents Only

Home Owner Occupiers Renters Duplexes Townhouses Units/flats

• New for old replacement
• Cover for legal liability
• Cover for specified high value portable items

Fire & Theft Only

• Contents damaged or lost by fire or break-ins
• Covers contents for up to $25,000

Landlord Building & Contents

• Repair or rebuild of your rented property

Loss of rent

Tenant Protection

Landlord Building

Landlord contents, landlords duplexes townhouses units/flats.

Get a quote Call 13 22 44

• Repair or rebuild of damaged property
• Temporary accommodation for Unit owners 

Business@Home

or call 13 22 44

Home & Contents including Legal Liability

Public and Products Liability

Property Damage

Back in Business

Real customers

Helping Queenslanders for over five decades

Hear from people like you

Read all Home Insurance reviews

Supporting QLD residents since 2001

Common home insurance claims, be prepared, preparing your home for stormy weather.

If you’re in Queensland and storm season is approaching, there are a few things you can do to help keep your home and family safe.

• Clean your gutters and downpipes to avoid blockages and overflow.
• Secure loose items that can be thrown by strong wind, such as outdoor furniture and play equipment.
• Remove tree branches that are close to your home.
• Prepare an emergency kit, including things like a portable phone charger, bottled water, and torch with spare batteries — just in case.

Learn more about how to prepare your home for storms .

Insured Events

These are the events that you can make a claim for, if they cause loss or damage to your home or contents (or both, of course, if you have a combined policy). There are limits, conditions and exclusions which apply, so check out the policy documents to make sure you’re up to speed.

Including water overflowing from things like lakes, rivers, or dams.

That's rain, wind, thunder, that sort of thing. FYI, storm damage is one of our most common claims, so this is a biggie.

Storm surge

That's a rush of water pushed from the sea onto the land caused by very strong winds. It doesn't include actions or movements of the sea. The loss or damage caused by storm surge must happen at the same time as other insured damage caused by storm.

Including power surges caused by lightning, will be covered providing a qualified repairer confirms lightning as the cause of loss or damage.

Loss or damage caused by fire (includes bushfire) and heat, ash, soot and smoke that is the direct result of a fire within 100 metres of the insured address.​

Earthquake & Tsunami

These may not be likely, depending on where you live, but you'll be covered just in case.

Theft or burglary

This also includes attempted theft, if nothing is stolen but the attempt causes damage that needs repairing.

Escape of liquid

This refers to liquid leaking, overflowing or bursting from things like appliances, fixed pipes, drains, and waterbeds

This refers to damage caused by impact from falling tree branches, power poles or TV antennas.

Damage by an animal

Not your pets, though. This refers to damage caused by animals (not insects, vermin or rodents) who aren’t supposed to be there.

We cover the loss or damage caused by an explosion but we don’t cover the cost of replacing or repairing the tank or container that exploded.

Riot, civil commotion or public disturbance

An example would be damage caused by a violent crowd moving down your street.

Malicious acts and vandalism

This includes things like vandals damaging your letterbox or tagging the building with graffiti.

Insured Events listed above apply to AAMI Home Insurance products, excluding Fire & Theft Contents Insurance which is limited to loss or damage by Fire, Theft or Burglary. We don't insure you for bushfire, storm, storm surge, flood or tsunami for the first 72 hours of your policy. Very limited exceptions apply. Read the PDS for more detail.​

Why do homeowners in QLD choose AAMI?

Trusted since 1969, claim anytime, aami home calculators.

HOME BUILDING CALCULATOR

Home Building Calculator

This calculator has some questions included that you may not find in other calculators, which will impact the estimate that is calculated.

Estimate the cost to rebuild

This calculator can help you work out the estimated rebuild cost of your home to help you choose your sum insured.

AAMI Home Building Calculator

Contents Calculator

Estimate your contents coverage

Estimate the replacement cost of your home’s contents and determine how much contents cover you may need.

AAMI Contents Calculator

Insurance made simple

Interactive guide to our Home and Contents Insurance

Provides simplified and easy-to-navigate info with links to the PDS for more detail.

Start exploring

Take control with My Account

Skip the queue! AAMI customers can – depending on their policy type – check policy info, make payments, lodge claims and more online, 24/7

Log in to My Account

Renew my policy

Pay my excess

Make a claim

• Access my policy documents
• Update my details
• Track my claim
• Find my policy number
• Covid-19 Support
• Search our motor repair network

Home & Property Insurance

Frequently asked questions.

• Home Building Insurance : This covers your building, its permanent fixtures, and associated structures like sheds, garages and fences.
• Home Contents Insurance : This covers household items inside your home that aren't permanently attached to your building. This can include things like furniture, appliances and clothing.
• Home and Contents Insurance : This combines the two policy types mentioned above.
• Strata Insurance : This covers strata title properties, such as apartments or units that share a parcel of land. It includes cover for shared areas like driveways and stairways.
• Landlord Insurance. This covers properties that you own and rent out to tenants under a rental agreement that complies with applicable residential tenancy laws. It's available for building , contents , or both.

Yep! Both AAMI Home Insurance and AAMI Contents Insurance — and, of course, our great value combined Home and Contents Insurance — include cover for damage caused by floods.

For policy purposes, ‘flood’ is defined as the covering of normally dry land by water that has escaped or been released from:

• another natural watercourse
• a reservoir
• a canal, or

Actions or movements of the sea and storm surge are not covered (unless storm surge damage occurs at the same time as damage caused by storm). Other exclusions apply. Check out the  PDS  for details.

If you own a property that shares walls or property, such as an apartment or townhouse, you can consider Strata Insurance. Strata Insurance provides cover for damage caused by insured events to buildings with shared property, as well as shared areas like driveways and stairways. It can provide cover for up to 10 buildings on the same block.

You can learn more on our Strata Insurance page .

What do I list under ‘contents’ and how do I work out their value?

No need to sweat; when you’re filling out your online quote we’ll give you the tools you need to understand what counts as contents. We’ve also got a handy contents calculator  to help you work out the value of your home contents.

FAQs & Help

PDS Library

Find out what our Home Insurance customers think

Standard Cover Sum Insured Cover

You specify a sum insured on your policy, which should reflect how much it’d cost to rebuild your house. If the house is damaged in an insured event, this amount is the maximum we’ll pay to rebuild or repair it.

how it works

• You choose the maximum amount you’d like to insure your home for.
• Choosing the amount generally means lower premium payments.
• You know the exact maxium amount you can be paid out.

This is included as standard with AAMI Home Insurance policies.

how to get it

• Comes standard with eligible AAMI Home Insurance policies.

Policy document downloads

Product Disclosure Document (PDS)

Optional Cover Complete Replacement Cover

If your house needs to be repaired or rebuilt after an insured event, we will offer to repair or rebuild your house as it was, or pay you the amount of the assessed quote to repair or rebuild it – without you having to set a specific sum insured.

• You don't need to set a sum insured.
• Our best underinsurance protection.
• Provides peace of mind if you’re uncertain how much it will cost to rebuild your home.

You can upgrade to Complete Replacement Cover when you get your quote online.

• Upgrade from Sum Insured when obtaining an eligible AAMI Home Insurance quote .

Home Owner Occupiers Insurance

You can save up to 10% by combining cover for your building and its contents on the one policy! FYI, the discount doesn't apply to some options, including portable valuables cover.

Building damage or loss

Covers loss of, and damage to, buildings, if caused by an insured event such as fire, break-ins and weather events (like storm, flood and bushfire). Buildings covered include your home, along with garages and sheds.

Contents damage or loss

Covers loss of, or damage to, the things in your home, garage and/or shed after an insured event. This can include electronics, furniture, clothing and more. You can also add Portable Valuables Cover for items you often take outside the home, such as a laptop computer.

Legal liability

Offers up to $20 million cover for your legal liability caused by an incident at your home address, if that incident is connected to you owning or living at that property.

$ 50  off  when you quote and buy online

This Optional Cover gives you peace of mind that if your building is damaged or destroyed by an insured event, we'll repair or rebuild your house as it was, or pay you the amount of the assessed quote to repair or rebuild it.

Specified valuable items

If you've got a few especially valuable items, like jewellery or artworks, you can specify them on your policy to ensure they're covered up to their full value.

Portable valuables

Extra cover for mobile phones, laptops, bicycles, handbags and a range of other items that you're likely to take outside your home.

Optional Covers

Product disclosure statement (PDS)

$ 25  off  when you quote and buy online

Optional Covers

Landlord Insurance

If you’re renting out an investment property, you can get cover for the building and the contents you own.

The longest period we will pay for one incident is 52 weeks and the most we will pay in total is up to $25,000 if your property cannot be lived in as a result of an incident covered by the policy.​

Extra cover to protect you against the costs of unpaid rent, theft or malicious damage by your tenant and their guests.

Renters Insurance

If you’re a renter, you can easily get cover for your stuff.

Home Contents

Up to $25,000 for damage to, or loss of, the contents of your home caused by fire or break-ins.

$ 5  off  when you quote and buy online

• Contents damage or loss, up to $25,000

Strata Insurance

Temporary accommodation for unit owners if their unit is damaged and can’t be lived in, up to 10% of the building sum insured and the longest period that can be claimed for is 52 weeks, as a result of an incident covered by the policy.

Up to 10% of the building sum insured and the longest period that can be claimed for is 52 weeks, for unit owners if their unit is damaged and their tenant can't live in it as a result of an incident covered by the policy.

Office bearer’s liability

Covers up to $1 million for office bearers or committee members if a claim is made against them for a wrongful act.

Shared contents

Offers cover for contents shared between multiples strata properties, such as washing machines, gardening equipment and shared gym equipment that doesn't belong to a unit owner or tenant, covered up to a chosen Sum Insured.

Duplex   Townhouse Unit/flat

• Property damage or loss
• Temporary accommodation costs

optional cover

  Shared contents

Call us for a quote

More about Strata Insurance

WHO’S COVERED

Do I need Strata Insurance?

If there’s more than one building on your block of land, or your building shares a wall or other common property such as a driveway or rooftop garden, then you probably need Strata Insurance. AAMI offers cover for properties with two to 10 buildings, with optional cover for shared contents such as washing machines and gym equipment.

Commercial Property Insurance

Public Liability

Public Liability offers cover for your costs if you are found to be legally responsible for personal injury to a third party, or damage to their property.

If you’re a property owner and you lease your commercial premises to businesses, we can help you stay covered.

This package includes

• Public liability

And can be customised from the following

Also known as Tax Audit, this provides cover for the professional and accountant’s fees incurred by you in connection with an audit of your business’ financial or tax affairs by the ATO, or by a Commonwealth, State or Territory department, body or agency.

Learn more about Tax Probe

Operating covers

• Business interruption

Glass & signs

This provides cover for loss of, or damage to, glass windows, signs and showcases at your business premises.

Commercial premises covers

Request a callback

Or call 13 12 44

Do you run a business from your premises?

If you own the property from which your business operates, you can consider an AAMI Business Insurance package. We offer a range of customisable options that let you put together a policy that suits the needs of your business. 

You’ll be able to get cover for damage to your property, public and products liability, theft, damage to glass, and more. You can also get Back in Business cover, which can help to compensate for a reduction to your business revenue following an insured event.

Learn more about Business Insurance 

Contents damage or loss up to your chosen amount

If your home is damaged by an insured event and you can’t live there while it’s being repaired or rebuilt, we’ll cover the time it should take to repair or rebuild, up to 52 weeks for temporary accommodation. The most we will pay for any one incident is up to 10% of the building sum insured, unless your certificate of insurance shows that you have Complete Replacement Cover ® option, in which case we pay the reasonable and necessary costs.​

optional cover for

Home Owner Occupiers & Renters

If you accidentally drop, knock, spill or otherwise damage something at home, this optional cover can help. It can apply to your house itself, your contents, or both, depending on your policy.

Optional Cover

what's included

For Building Insurance:

• We cover the building for accidental loss and damage at the insured address during the period of insurance.

For Contents Insurance:

• We cover your contents for accidental loss and accidental damage at the insured address during the period of insurance

Read the PDS for more detail, including how we settle building and contents claims, limits and exclusions.

AAMI Home Assist can offer you help from a plumber, electrician, locksmith or carpenter in the event of a home emergency. So if you’ve had AAMI Home Assist on your policy for 24 hours or more and you come home to something unexpected like a burst pipe or blown fuse, we can help get it sorted ASAP.

trades available 24/7

Available to 95% of Aussie homes

Some geographic limitations apply.

Electrician

• No excess payable
• 3 callouts per policy period
• Repair materials (up to $50)
• Up to 2 hours of help per callout
• A trusted network of tradies

How AAMI Home Assist works

If you’ve selected AAMI Home Assist as an optional cover on your AAMI Home Insurance policy and you’ve had it for 24 hours or more:

For assistance in a home emergency - ie, a sudden and unforeseen incident at your home which requires urgent attention - call 13 22 44 .

We can connect you with a plumber, electrician, locksmith or carpenter.

common emergency repairs

• Locked out of house
• Hot water system issue
• Blocked toilet
• Leaking pipes and toilets

Read the PDS and AAMI Home Assist Terms and Conditions for more detail, including limits and exclusions.

Home & Contents and Building Only Insurance

There’s not much more annoying than fixing broken glass. Whether it’s a shower screen, window, fixed mirror or skylight, it can be expensive and time consuming to sort out. Luckily, with this optional cover, AAMI can help.

AAMI Excess-Free Glass

• Replacement of accidentally broken fixed glass in windows, doors, skylights, shower screens and fixed mirrors which are part of the home building
• Repair or replacement of frames in windows, doors and shower screens if necessary to enable the glass to be replaced
• No excess to pay when your claim is only for the broken fixed glass
• Access to trusted glass repairers

This optional cover is for fixed glass only. Refer to the PDS for more information.

Covers you for the professional fees incurred if your business’s financial or tax affairs are audited by an authorised authority.

Covers you for a reduction in your business revenue as a result of damage to your property by an insured event.

Covers you for the loss of your business contents and stock from theft, attempted theft, armed hold up or an actual/threatened assault.

Covers you for physical loss or damage to your property (ie. your business contents, stock or specified items at the premises) from insured events such as fire, lightning and explosion.

Covers you for the cost of compensation if your business is responsible for personal injury or property damage.

Home & Contents covers a range of insured events, such as fire, theft or attempted theft, storms, flood and lightning.

Legal liability covers your liability to pay compensation for death or injury to other people, or loss of or damage to their property, if it results from an incident that’s connected with you owning or living in the home at the insured address. Legal liability on contents covers your liability to pay compensation for an incident which causes death or bodily injury to other people, if it occurs anywhere in Australia or New Zealand.

Damage to other people and their property

Up to $20 million cover for your legal liability for an incident at your rental property connected to you owning the property.

Up to 10% of the building sum insured and the longest period that can be claimed for is 52 weeks, for unit owners if their unit is damaged and their tenant can't live in it as a result of an incident covered by the policy.​

The longest period we will pay for one incident is 52 weeks and the most we will pay in total is up to $25,000 if your property cannot be lived in as a result of an incident covered by the policy.

Only those contents which are owned by the landlord but kept within the property are covered.

Third party cover

You’ll have cover, for up to $20 million, for your legal liability if a third party is injured or has their property damaged in an incident at your house.

We cover your legal liability to pay compensation for death of or bodily injury to other people, or loss or damage to their property, resulting from an incident which happens anywhere in Australia or New Zealand during the period of insurance:

which is unrelated to your ownership of the building, unit or land at the insured address, unless you are living in a unit and/or own the unit and your legal liability is not covered under a building policy which covers that unit; or

if it results from fixtures and fittings attached to the insured address and that you are legally responsible for under a rental agreement.

We also cover you for associated legal costs to defend a claim against you that is covered. We need to first agree to pay the legal costs before they are covered.

We cover your legal liability to pay compensation for death or bodily injury to other people, or loss or damage to their property, resulting from an incident which happens during the period of cover:

in connection with you owning or living in the building; and

at the insured address.

We will also pay the associated legal costs which we have agreed in writing to pay. The most we will pay for all claims from any one incident under building legal liability cover is $20 million, including all associated legal costs.

Lifetime guarantee on building repairs

When we repair or rebuild the building, we guarantee the quality of workmanship of that work for the lifetime of the building if we:​

• authorise;​
• arrange; and​
• pay the builder or repairer directly for this work.​

For full details, see the PDS .

Specified contents at home

Temporary Accommodation

Temporary accommodation for unit owners if their unit is damaged and can’t be lived in, up to 10% of the building sum insured and the longest period that can be claimed for is 52 weeks, as a result of an incident covered by the policy.​

If your home is damaged and your policy offers cover for a repair or rebuild, we’ll cover accommodation costs for as long as that takes (up to 52 weeks). Our maximum payout for any one incident is 10% of the building sum insured — unless you have optional Complete Replacement Cover, in which case we’ll pay reasonable & necessary costs.

Eligible Policies

Eligible policies include AAMI Motor (excluding SA and ACT CTP) and Home Insurance policies purchased between 12 th July 2019 and 9 th September 2019.

Cover for spoiled food and medication

If an insured event causes food or medicine to spoil—for example, if a storm knocks out power to your fridge - we'll cover the cost, up to $400.

Cover for motor burnout

If the motor in one of your fixed appliances burns out or fuses and that motor is less than 7 years old, we'll help you take care of repair or replacement.

24/7 AAMI Home Assist

Available 24 hours after adding the option to your policy.

General maintenance

AAMI Home Assist does not cover general maintenance, such as the provision or replacement of windows, doors, glass, tiles, carpets and of fittings and fixtures. Other exclusions apply - please read the Home Assist Terms & Conditions .

Preventative services

AAMI Home Assist does not cover preventative services, such as the removal of property, rubbish or debris. Read the Home Assist Terms & Conditions .

Disaster response

AAMI Home Assist is not an emergency rescue or disaster response service. Read the Home Assist Terms & Conditions to find out more.

Where an emergency situation poses a risk to your personal safety or property, or the personal safety and property of any other person, contact the appropriate emergency or rescue services.

This doesn’t cover damage caused by:

• Wear and tear
• The gradual deterioration of something with age
• Deliberate acts
• Defective workmanship

Limits and exclusions

This Optional Cover is for fixed glass only. Refer to the PDS for more information.

Home insurance

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Building and/or contents insurance for homeowners.

Building and/or contents insurance for residential landlords.

Renters and strata owner-occupiers

Contents insurance for renters and strata owner-occupiers.

Compare home insurance cover

What’s covered depends on the type of home insurance you have and your specific policy. Most standard home insurance policies can cover your property and belongings in case of fire, storm damage, theft and more. Find out more about our home insurance policy options below.

The information below is a summary of some of the features and benefits included for home insurance policies purchased on or after 1 December 2020 or renewed on or after 1 September 2022. Read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD) for full details, including limits, exclusions and conditions that apply.

Home Insurance

Buildings and contents cover for homeowners.

Need home insurance for a property you own and live in? Select cover for your home, its contents, or both. It includes things like:

• Cover for damage or loss caused by storm, fire, theft, flood and more
• Up to $30 million legal liability cover
• Temporary accommodation costs for up to two years if your home isn’t liveable due to damage by an insured event
• Electrical motor burnout cover
• Emergency temporary repairs
• Up to 30% Buildings Sum Insured Safeguard benefit, if eligible
• A lifetime guarantee on home repairs made by our repairer
• Contents cover while moving to your new residence
• Contents cover for up to 60 days at your old and new home
• Up to $500 for improved security upgrades after a burglary
• Environmental upgrades.

Upgrade to include

• Accidental damage cover
• Portable contents cover .

Find out more about our Home Insurance .

Landlord Insurance

Buildings and contents cover for residential landlords.

Landlord insurance can cover your rental property and contents if selected. It includes things like:

• Cover for accidental damage caused by you, your tenant or a paying guest
• Cover for damage caused by a tenant’s pet
• Cover for malicious damage caused by your tenants or a paying guest
• Loss of rent if your rental property isn't liveable due to damage by an insured event
• Cover for theft by tenants or a paying guest
• Rent Default by Tenant option.

Find out more about our Landlord Insurance .

Contents Insurance

Contents cover for renters and strata owner-occupiers.

Renting a property or living in a strata unit? Get cover for your belongings with contents insurance. It includes things like:

• Temporary accommodation if your home isn’t liveable due to damage by an insured event

Find out more about our Contents Insurance .

Why choose QBE home insurance?

We’ve been insuring Australians for over 130 years.

We provide 24/7 friendly claims service.

We offer up to $30 million legal liability cover.

Award-winning insurance

Mozo awarded us its 2023 Mozo Experts Choice Award for Exceptional Quality Home & Contents Insurance.

For the fourth year running, we’ve been named Finder’s Green Insurer of the Year in 2023. We’re honoured to receive this recognition. A big thank you to our customers, people and partners for helping us enable a more resilient planet.

We’ve been awarded the 2022 Personal Lines Mansfield Award recognising claims excellence in the Australian insurance industry. The Awards highlight the vital role that claims professionals play in the insurance industry and recognises those achieving excellence in this field.

What customers say about QBE home insurance

Save 10% on home insurance.

Buy a new home, contents or landlord insurance policy online today and you’ll save 10%!

Home insurance knowledge space

Answers to your questions for insuring your home all in the one place.

Am I covered for that? 10 questions about home insurance answered

Knowing exactly what’s covered and what’s not in a home insurance policy is crucial before making the purchase.

Do I need to update my home insurance when I buy something new?

Valuable items may need to be insured for a higher specific value by listing them separately under your policy.

Good neighbours can help make your home safer

How good neighbours can help make your home safer.

The importance of changing your smoke alarm battery

Your smoke alarm is a vital early warning sign of fire and helps protect the lives of your family and the community by providing an early warning of danger.

Why cleaning your gutters should be on the top of your to-do list

Leaf-blocked gutters may not seem like a big deal but ensuring this part of your home is in good working order has far reaching benefits.

This one simple tip could save your home from water damage

Every year insurers receive tens of thousands of claims for water damage caused by the failure of braided flexible hoses.

Owner Builder home insurance

If you’re selling a home you recently built or renovated, you may need Owner Builder Warranty cover. If you live in Western Australia, we can help.

Home insurance FAQs

What does home insurance cover.

Home insurance can cover your building, contents or both. Coverage depends on your specific home insurance policy. Most standard home insurance policies with building cover can cover the cost of replacing or repairing your house if a fire, flood or storm damages your home or if you experience things like theft, vandalism or water damage.

Home and contents insurance can cover loss of or damage to your belongings and building.

Contents insurance can cover the cost of replacing or repairing your belongings, not the building.

In many cases, you can also add optional extras to your home insurance policy for additional coverage. Extras can include portable contents insurance (to cover your valuables while away from home) and accidental damage.

How does home insurance work?

Home insurance offers cover for the cost of replacing or repairing your house and/or belongings if something goes wrong. When you choose a home insurance policy, you and your insurance provider agree on your policy’s coverage, conditions and premium.

Am I covered for accidental damage?

QBE Home Insurance, Contents Insurance and Landlord Insurance provide cover for loss of, or damage to your building and/or contents caused by events like fire, theft, flood and more. You can upgrade your QBE Home Insurance or Contents Insurance policy to include accidental damage cover for an extra premium. Accidental damage cover is already included in QBE Landlord Insurance.

How do I make a claim?

Head to our home insurance claims page to make a claim online or call us 24 hours a day on 133 723

How much is home insurance in Australia?

Home insurance costs can vary as they depend on many factors. Factors affecting QBE's home insurance premiums include things like:

• Cover selected: Buildings, contents or both
• Building characteristics: Location, age and construction materials
• Sum insured: The nominated amount to rebuild your home or replace your contents
• Basic excess: The amount that you may need to pay if you make a claim
• Household members and anyone covered: Age of the oldest insured and claims history
• Optional extras: Options you have added to your policy.

Find out more about understanding your premium  or get a QBE home insurance quote online to see how much home insurance could cost you.

Does home insurance cover foundations?

QBE home insurance can cover foundation repairs or replacement if you have insured your buildings, and the cause of the damage is covered. This could include damage caused by things like fire, flood and storm.

Find out exactly what your policy covers by reviewing your Product Disclosure Statement  (PDS) and Certificate of Insurance.

How is home insurance calculated?

Home insurance premiums can be affected by things like increases in the cost of repair and/or replacements (e.g. materials and labour), inflation or natural disasters and weather events. Changes to things like your sum insured, type of cover, adding optional extras or your claims history can also have an impact. For more information, visit our understanding your premium  page.

QBE home insurance is issued and underwritten by QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239545). 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 relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD) .

Need more help?

Call us on 133 723.

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Home and Contents Insurance

Why choose allianz home and contents insurance, pay monthly at no extra cost 4, instant certificate of currency, 24/7 claims service, award-winning insurance.

What our Home and Contents Insurance covers

• What’s covered
• What’s not covered
• Optional cover
• Legal liability cover
• Up to $20m legal liability cover. Provides cover if you’re found liable to pay compensation to someone because you’ve accidently injured them or damaged their property during the period of insurance.
• Alternative accommodation
• If your home building and/or contents are damaged by an insured event during the period of insurance to such an extent, where you can’t live in it, we’ll pay the temporary rental costs for accommodation for you and your pets for the time necessary, up to 12 months and the policy limits. 5
• Rebuilding costs
• If you have Buildings cover and we agree to rebuild your home due to a total loss or damage, we'll help pay the reasonable 6 costs of:
• Professional fees of architects, engineers, surveyors and solicitors (up to $5,000)
• If you have Buildings cover and need to rebuild your home due to a loss or damage, we'll help pay the costs 6 of:
• Complying with any statutory requirements (up to $5,000)
• Moving House cover If you have Contents cover and you’re moving house, we'll cover your contents at both your new and old address for up to 14 days after you first start to move. However, we won’t cover your contents while they’re in transit.
• Debris removal If you have Buildings cover, this can cover the reasonable costs to remove damaged or destroyed parts of your building or contents (if you have Contents cover) by an insured event. Covers up to 10% of the building or contents sum insured amount.
• Replacement of locks or cylinders If your keys are stolen, or there are reasonable grounds to believe the keys have been copied, we’ll pay up to $1,000 to replace your locks or cylinders for any external doors or windows.
• Emergency contents storage If you have Contents cover, we'll pay to move and store your contents if you can't stay at your home as a result of damage from an insured event. We’ll pay up to the maximum balance of your contents sum insured after payment of any claim for your damaged contents, for a maximum of 12 months.
• Making your home building environmentally friendly If you have Buildings cover and your building is totally destroyed and needs to be rebuilt, we’ll help with the costs 7 to install environmental systems such as rainwater tanks and solar power systems (up to $5,000 after deduction of any government or council rebates).
• Your unoccupied home
• If you leave your home unoccupied for any period longer than 60 consecutive days, unless otherwise agreed in writing.
• Loss, damage, injury or legal liability due to the following:
• If you fail to keep your home or contents in good condition, including wear and tear and lack of maintenance
• Pre-existing damage to your home or contents
• Flooding – unless you’ve added the optional Flood cover to your policy
• You carry out alterations, additions, demolition, repairs or decorations to your building with a commercial value of more than $75,000, unless otherwise agreed in writing with us
• Damage deliberately caused by you, a family member or someone acting with your consent
• Holiday letting
• Anything not directly related to one of the insured events listed in the relevant PDS
• Portable Contents

There are two cover types to choose from – listed and unlisted contents.

Note:  72-hour exclusion period may apply. We don’t provide cover for any loss of or damage to your property caused by cyclone, flood, grassfires and bushfires, during the first 72 hours after you first take out or increase the cover under the policy. For full details of conditions and exclusions please refer to the relevant PDS .

• Accidental Damage
• Covers you for accidental damage caused by sudden, unforeseen and unintended events, not just the specified insured events. This option automatically includes Motor Burnout.
• Motor Burnout
• Covers you if an electrical current damages your domestic household electrical motors, such as your fridge, freezer or washing machine, up to 10 years old.
• Domestic Workers Compensation
• Covers people performing domestic work related to the running of the insured address who are deemed to be employed by you under the relevant Workers Compensation legislation in Tasmania, Western Australia or the Australian Capital Territory. This can include gardening, cleaning and childcare.

Events our Home and Contents Insurance covers

• Fire or smoke (including bushfires 9 and grassfires 9 )
• Theft or burglary
• Storm and cyclone 9 , rainwater or run off (not including flood which, subject to eligibility, may be available under the optional Flood cover 9 )
• Water or other liquid damage
• Impact damage
• Earthquake or tsunami
• Accidental breakage of glass or ceramic items
• Vandalism or malicious damage
• Riots or civil commotion

For a full list of events covered by Allianz Home Insurance, see the relevant PDS .

Home and Contents Insurance quotes

Building Insurance

Covers the physical structures that make up your home building. From the house itself, to your garage, fences, paved driveways, and even fixtures like hot water systems, air conditioners and more.

The amount you choose to insure your building for is called the building sum insured .

Contents Insurance

Covers the belongings you have at the insured address. From your furniture, carpet, electrical appliances and BBQ, to even clothes, shoes, handbags and more.

The amount you choose to insure your contents for is called the contents sum insured .

Home Insurance calculators

When you take out Home Insurance, it’s important the amount you’re insured for accurately reflects the cost to rebuild your property and replace your contents.

If you’re insured for less than the replacement value of your home and contents, you might have to pay the difference out of your own pocket. Use our calculators as a guide to find out how much you should be insured for.

Building replacement calculator

Contents replacement calculator, ready to get started, frequently asked questions.

Home and contents insurance covers the cost of repair or replacement to your building and contents when loss or damage is caused by events such as break-ins, fires (including bushfire 9 and grassfire 9 ), storms, impact damage such as a fallen tree, as well as accidental breakage of glass and more.

Plus, it provides legal liability cover which can cover you if you’re found liable to pay compensation to someone because you’ve accidently injured them or damaged their property during the period of insurance.

Flood cover 9 may be available as an optional cover. 

The cost of your insurance is called a ‘premium’. Your premium will depend on a number of factors, and can change each year when you renew your policy. Your premium for each period of insurance will be shown on your policy schedule.

There are a number of factors that determine how your Allianz Home and Contents Insurance premium is calculated, including:

• Where you live
• The type of property you’re insuring
• The amount and type of cover you require
• Any other people also insured under the policy
• The relevant claims history of the people being insured
• The likelihood of a claim being made on your policy
• Any discounts that may apply
• Any compulsory government charges such as Stamp Duty and GST
• Emergency Services Levies if they apply to the State or Territory where your home is located
• Any other charges we tell you of
• The excess you choose 10

To find out the cost of insuring your home building and/or contents through Allianz, get a quick Home and Contents insurance quote  in minutes.

Your building and contents can be covered for flood-related damage if you take out optional Flood cover, subject to eligibility. Your building and contents, under Flood cover, will be covered for:

Loss or damage caused by:

• Flood water, combined with run-off and rainwater

As well as loss or damage caused by or arising from the following, if it’s caused directly by and occurs within 72 hours of a flood:

• Soil movement, including erosion

To find out if you’re eligible for Flood cover, get an online quote or call us on 13 1000 .

If you currently hold a policy and would like to find out whether your Building and Contents insurance policy currently has Flood cover, you can log onto My Allianz to check your policy documentation or call us on 13 1000 .

Note: 72-hour exclusion period may apply. We don’t provide cover (where the type of cover you have under the policy provides it) for any loss of or damage to your property caused by cyclone, flood, grassfires and bushfires, during the first 72 hours after you first take out or increase the cover under the policy. For the standard terms, conditions and exclusions about our Home Insurance, refer to the  Product Disclosure Statement (PDS) .

With Allianz there are a number of ways that you may save on your Home and/or Contents insurance premium:

• Combine your Building and Contents cover on the one Home Insurance policy and save up to 10%. 2,3  (Compared to purchasing each cover as a standalone cover)
• Increase your basic excess: our policies come with flexible excess levels, giving you the option to increase your basic excess, within a given range, which could reduce your premium 10

You should tell us as soon as reasonably possible if during the period of insurance your building is in the course of construction or there are any alterations, additions, demolition, repairs to, or decorations of the building costing more than $75,000. If you don’t, we may refuse or reduce a claim under the policy to the extent we are prejudiced by the delay or the non-disclosure.

When we receive this information, we may:

• Propose changes to the terms and conditions of your policy
• Propose to charge you a higher premium
• Cancel your policy (if there’s a change and we can’t reach an agreement with you on altered terms and conditions or premium; or we’re no longer prepared to insure you because there has been a material change to the risk)
• Decide not to offer to renew your policy

Note: It’s also important that you increase your sum insured to take into account any extensions or renovations to make sure you’re adequately covered in the event of a Home Insurance claim.

Home Insurance covers you against financial losses associated with the damage or loss of the property you own. Home Insurance isn't a legal requirement; however, if you have a mortgage on your property, most banks and mortgage lenders require you to purchase Home Buildings insurance as security to safeguard themselves against financial risk caused by unexpected damage or loss to your property.

Lenders may require you to list them as an interested party when buying insurance and may also request proof of insurance (Certificate of Currency) before the loan is finalised or for each year your mortgage is held with them.

To request a Certificate of Currency for your existing Allianz Home Insurance policy, call us on 13 1000 or log onto My Allianz .

This cover option allows you to insure items which you wear or carry with you outside your home (such as a handbag, wallet, sunglasses, jewellery or a musical instrument). You can choose from two types of Portable Contents cover – unlisted or listed – or you can choose both.

Unlisted Portable Contents

This option allows you to select a per item limit and per claim limit, e.g. up to $2,000 per item and $7,500 per claim. This means you don't have to specifically list your portable item. However, this option doesn't cover items such as laptops, tablets, mobile phones and other wearable technology which need to be covered under Listed Portable Contents.

Listed Portable Contents

This option allows you to cover specifically listed portable items for their full replacement value (less any contributable excess). Laptops, tablets, mobile phones and other wearable technology can be listed under your policy and covered as listed portable items.

This option covers you in the event of accidental unexpected mishaps that are caused unintentionally, for example if you’re moving furniture around the house and damage your wall (if you have Buildings cover) or if you have spilt a drink which causes damage to your carpet (if you have Contents cover).

Here are some examples of the sort of mishaps you’ll be covered for if you take out optional Accidental Damage cover:

If you have Building cover and:

• You accidentally smash a hole in the wall when you move some furniture
• Your kids draw all over your walls

If you have Contents cover and:

• You spill red wine on the new white carpet or lounge

We’ll extend cover for your contents anywhere in Australia for up to 90 continuous days in one period of insurance.

The Accidental Damage cover option automatically includes Motor Burnout cover. Read the PDS for the details of what is covered.

If you take both Building and Contents insurance, here’s how these covers can work together if you suffer an insured loss:

• Your house burns down. You could lose your building, and everything in it. With adequate sums insured under Building and Contents covers, you could rebuild and replace your insured belongings.
• A fire damages your kitchen. You could repair or rebuild built-in damaged parts of your kitchen, such as benchtops, with Home Building insurance. Then you could replace damaged items like blinds and kitchenware under your Contents insurance policy.
• A thief smashes your window, breaks the locks and steals your belongings. You can fix the window and locks through your Building insurance and replace the items that were stolen under your Contents insurance.

Plus, you’ll only have to pay one excess if your building and contents are damaged by the same insured event and you’ve combined them on one policy .

We're here to help

Give us a call, or send us a message, follow us on, *conditions apply.

• Up to 30% No Claim Bonus When you take out a new policy, we calculate your No Claim Bonus based on your Home Insurance claims history. To qualify for the maximum No Claim Bonus of 30%, Home Insurance customers must have had no Building or Contents insurance claims in the preceding five years. However, customers who have had claims may still qualify for a reduced No Claim Bonus. After each claim-free year, the No Claim Bonus applied to your renewal premium will be increased by 10%, to a maximum of 30%. However, for every claim you make in a year, the No Claim Bonus applied to your renewal premium will be reduced by 10% to a minimum of 0%. The No Claim Bonus is applied to some optional covers if selected; Motor Burnout and Accidental Damage, but not Flood or Portable Contents cover.
• Minimum premiums may apply Any discounts may be subject to rounding and only apply to the extent that any minimum premium isn't reached. If you’re eligible for more than one discount, Allianz applies them in a predetermined order. This means the effect of applying any subsequent discount will be reduced. For example, the aggregate effect of applying two discounts consecutively means that you won't see the full benefit of both these discounts. Discounts don't apply to taxes or government charges. No discounts are applied to the optional cover: Domestic Workers Compensation (if available and selected).
• Combined Discounts A discount of up to 10% is applied to your premium when you combine Buildings and Contents on one Home Insurance policy, including for the following optional covers if selected: Motor Burnout and Accidental Damage cover. The combined discount doesn't apply to Landlord policies, Flood or Portable Contents optional cover.
• Pay by instalments Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding, and financial institution transaction fees may apply. Available for new policies effective from 13 November 2022 and renewals from 25 December 2022.
• Alternative accommodation Covers weekly equivalent rent. Up to 10% of Building or Contents sum insured, up to a maximum of 12 months and up to $500 for your pets. This is an extra benefit we pay in addition to your building sum insured. We don’t pay additional alternative accommodation costs under the contents section if we’ve paid it under the buildings section. No excess applies to this benefit.
• Rebuilding costs These are extra benefits we pay in addition to your building sum insured, where we have approved these costs before they’re incurred and they relate directly to the rebuilding of the insured building. No excess applies to these benefits.
• Making your home building environmentally friendly These are extra benefits we pay in addition to your building sum insured. No excess applies to these benefits.
• Portable Contents Some portable contents must be specified on your policy schedule as Listed Portable Contents to be covered.
• 72-hour exclusion period may apply We don’t provide cover for any loss of or damage to your property caused by cyclone, flood, grassfires and bushfires, during the first 72 hours after you first purchase a policy or increase your cover under an existing policy. For full details of conditions and exclusions please refer to the relevant PDS .
• Option to change your excess Not available with respect to any additional compulsory excess, imposed excess applied to the policy or to the Portable contents excess. Any reduction in premium will not be applied to government taxes and charges, or to optional covers (if available and selected): Domestic Workers compensation, Flood or Portable contents. Minimum premiums apply.
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Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision about this insurance, consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website. We do not provide any form of advice if you call us to enquire about or purchase a product.

Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 is the insurer of any general insurance products offered, and Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFS Licence No. 296559 is the insurer of any life insurance products offered. Each entity is responsible for any statements and representations made about its products, on this website.

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Compare our home insurance options and choose the cover that's right for you

With RACQ Home Insurance you also become an RACQ member and gain access to a wide range of membership benefits. Compare our household insurance features, optional extras, and discounts below and find the policy that suits your needs. For full details of what’s included in our household insurance policies, see our Product Disclosure Statement (PDS), any applicable Supplementary PDS, Key Facts Sheet and Target Market Determinations .

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Things to note 

Insurance products (excluding Travel Insurance) are issued by RACQ Insurance Limited ABN 50 009 704 152 (RACQ). Conditions, limits and exclusions apply. This is general advice only and may not be right for you. This information does not take your personal objectives, circumstances or needs into account. Read the PDS and any applicable Supplementary PDS  plus any relevant Key Facts Sheet before making a purchase decision on this product. You can also access our Target Market Determinations on this website.

~~ Terms and conditions apply to all offers. View the individual offer for full details. Offer is subject to availability and may be withdrawn at any time without notice.

Home And Contents Insurance Qld | Features & Coverage

Home And Contents Insurance Qld provides coverage for both your home and its contents in the event of damage or loss. This type of insurance protects your property and possessions from risks such as fire, theft, and natural disasters.

It is essential for homeowners to have adequate insurance to safeguard their investment and belongings. With Home And Contents Insurance Qld, you can have peace of mind knowing that you are financially protected in case of unforeseen events. Whether you are a homeowner or a renter, it is important to consider getting insurance to protect your property and personal belongings.

We will explore the benefits of Home And Contents Insurance Qld and provide you with the information you need to make an informed decision.

Table of Contents

What Is Home And Contents Insurance Qld?

Protect your home and belongings with Home And Contents Insurance Qld. Get comprehensive coverage tailored to your needs. Safeguard your most valuable assets against unforeseen events.

Home And Contents Insurance Qld: What You Need To Know

Definition and purpose of home and contents insurance.

Home and contents insurance, also known as homeowner’s insurance or property insurance, is a type of insurance coverage that safeguards your home and belongings against unforeseen risks. This insurance policy provides financial protection in the event of damage or loss caused by natural disasters, theft, fire, and other perils specifically outlined in the policy.

Having a home and contents insurance policy can bring you peace of mind, knowing that you are financially protected if any unfortunate events were to occur. Here are the key points to understand about this type of insurance:

• Home insurance covers your actual home, including the structure and its fixtures such as walls, roof, and floors.
• Contents insurance covers the belongings inside your home, such as furniture, appliances, clothing, and personal valuables.
• Policies can vary in their coverage and exclusions, so it’s crucial to carefully review the policy documents to ensure it meets your specific needs.
• While home insurance is not legally required in Queensland, it is highly recommended, as it can provide protection against unexpected circumstances.

Importance Of Having Insurance Coverage In Queensland

Queensland is known for its beautiful landscapes and stunning coastal regions, but it is also prone to natural disasters such as cyclones, floods, and storms. These unpredictable events can lead to significant damage to your property and possessions. Here’s why having insurance coverage is essential in Queensland:

• Financial protection: Home and contents insurance offers financial protection by helping you recover from the financial burdens caused by property damage, theft, or loss of your belongings.
• Rebuilding and repair costs: If your home is damaged and needs repairs or rebuilding, insurance coverage can help cover the cost of materials, labor, and other expenses involved.
• Replacement of belongings: Contents insurance ensures that if your personal belongings are stolen or damaged, you can receive compensation for their value, allowing you to replace them without bearing the full financial burden.
• Temporary accommodation: In the event that your home becomes uninhabitable due to damage, some insurance policies provide coverage for temporary accommodation, ensuring that you have a place to stay while your home is being repaired or rebuilt.
• Peace of mind: Knowing that you have insurance coverage for your home and belongings gives you peace of mind, allowing you to focus on other aspects of your life without worrying about unexpected financial losses.

By having a comprehensive home and contents insurance policy, you can protect your home and belongings from various risks and have the peace of mind you deserve. It is essential to carefully assess your insurance needs and select a policy that provides the necessary coverage for your specific circumstances.

Coverage Options For Home And Contents Insurance Qld

With home and contents insurance options in Queensland, you can protect your property and belongings. Get coverage for any unexpected events and have peace of mind knowing you’re financially protected.

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If you are a homeowner in Queensland, it is crucial to protect your property and possessions with the right insurance coverage. Home and contents insurance offers peace of mind against unexpected events such as theft, fire, or natural disasters. To ensure you have adequate protection, it is essential to understand the different types of coverage available.

Here are the coverage options you should consider:

Different Types Of Coverage Available:

• Building insurance: This type of coverage protects the physical structure of your home, including the walls, roof, floors, and built-in fixtures. It provides financial assistance if your property is damaged or destroyed due to covered perils, such as storms, fire, or vandalism.
• Contents insurance: This coverage protects your personal belongings inside your home, including furniture, appliances, electronics, clothing, and valuables. It provides compensation for loss or damage caused by events like theft, fire, or accidental damage.
• Accidental damage: This additional coverage option ensures that you are protected against accidental damage to your property or belongings. It can be beneficial if you have children or pets prone to causing unintentional harm.
• Specialized coverage: Depending on your specific needs, you may require additional coverage options such as flood insurance, earthquake insurance, or personal liability coverage. These specialized policies provide additional protection for risks that are not typically covered by standard home and contents insurance.
• Temporary accommodation: In case your home becomes uninhabitable due to a covered event, this coverage option will cover the costs of temporary accommodation, ensuring that you and your family have a place to stay while your home is being repaired.
• Legal liability: This coverage protects you if you are found legally liable for injury or damage caused to others or their property while on your premises.

Choosing the right coverage for your needs:

When selecting home and contents insurance in Queensland, it’s essential to evaluate your individual requirements. Here are some key factors to consider:

• Assess the value of your home and possessions: Determine the total value of your property and belongings to ensure you have sufficient coverage to rebuild or replace them in the event of a loss.
• Identify potential risks: Consider the specific risks in your area, such as flood-prone zones or bushfire risks. This will help you determine if you need additional coverage for these specific perils.
• Evaluate policy limits and exclusions: Review the policy limits, exclusions, and deductibles to determine if they align with your needs and budget. Ensure that high-value items are adequately covered and check for any exclusions that may affect you.
• Seek professional advice: If you’re unsure about the coverage options or finding it challenging to navigate through the insurance jargon, consult an insurance professional who can guide you through the process and help you make an informed decision.
• Compare policies: Take the time to shop around and compare multiple insurance providers, considering the coverage offered, premiums, customer reviews, and the company’s reputation. This will ensure you get the best possible coverage at a competitive price.

Remember, protecting your home and contents is not just a legal requirement but also a valuable investment. By choosing the right coverage for your needs, you can safeguard your property and belongings against unexpected events, providing you with greater peace of mind.

Factors To Consider When Choosing Home And Contents Insurance Qld

Factors to consider when selecting Home and Contents Insurance in Queensland include coverage options, policy exclusions, deductibles, premium costs, and the reputation of the insurance provider. It is important to evaluate these factors to find the best insurance plan that meets your needs and provides adequate protection for your home and belongings.

When it comes to protecting your home and personal belongings in Queensland, choosing the right home and contents insurance is crucial. With a wide range of factors to consider, it’s important to carefully evaluate risks and assess coverage options. Below are some key considerations to keep in mind when selecting home and contents insurance in Queensland.

Location-Specific Considerations In Queensland

Queensland is a diverse state with varying geographical features and climate conditions. When choosing home and contents insurance, it’s essential to take into account the specific location of your property. Here are some location-specific considerations to keep in mind:

• Coastal properties: If your home is located along the coast, it may be prone to risks such as storm damage, flooding, and erosion. Look for insurance policies that provide coverage for these specific risks.
• Bushfire-prone areas: Queensland has a high risk of bushfires, particularly during the dry season. Ensure that your insurance policy covers fire damage and includes coverage for property loss or damage caused by bushfires.
• Flood zones: Some areas in Queensland are prone to flooding, especially during the wet season. Make sure your insurance policy includes coverage for flood damage and consider purchasing additional flood insurance if necessary.
• Cyclone-prone regions: Northern Queensland experiences cyclones, which can cause significant damage to homes and contents. Check if your policy covers cyclone-related damage and consider any necessary additional coverage.

Evaluating Risks And Assessing Coverage Options

When choosing home and contents insurance in Queensland, it’s important to evaluate the risks your property may face and assess coverage options accordingly. Here are some factors to consider during the evaluation process:

• Replacement or market value: Determine whether you want your insurance to cover the replacement cost of your home and belongings or their market value. Replacement cost coverage ensures that you receive the amount needed to replace items at current market prices, while market value coverage takes depreciation into account.
• Contents coverage: Assess the value of your personal belongings and ensure that the insurance policy provides adequate coverage for their replacement or repair in case of loss or damage.
• Policy limits: Review the policy limits to understand the maximum amount of coverage provided for different types of losses. Ensure that the limits align with the value of your property and belongings.
• Deductibles and premiums: Consider the deductible amount and how it affects the premiums you will have to pay. A higher deductible may result in lower premiums but also means you will be responsible for a larger portion of any potential claims.
• Additional coverage options: Look for insurance policies that offer additional coverage options tailored to your specific needs, such as coverage for valuable jewelry or added liability protection.

Choosing the right home and contents insurance in Queensland requires careful consideration of location-specific factors and assessing coverage options that adequately protect your property and belongings. Taking the time to evaluate risks and understand your insurance policy thoroughly will provide you with peace of mind knowing that you are adequately covered in case of unforeseen events.

How To Compare Home And Contents Insurance Policies In Queensland

Compare home and contents insurance policies in Queensland easily with these helpful tips. Find the best coverage for your property and belongings, ensuring peace of mind in case of any unforeseen events.

When it comes to protecting your home and belongings, having the right insurance policy is crucial. In Queensland, there are many options available for home and contents insurance. However, comparing policies can be overwhelming. To help you navigate through the process, here are some key factors to consider when comparing home and contents insurance policies in Queensland:

Key Factors To Consider When Comparing Policies:

• Coverage options: Look for policies that offer comprehensive coverage for both your home and its contents. Consider the specific coverage options provided such as fire, theft, storm damage, and accidental damage.
• Policy limits: Check the policy limits to ensure they adequately cover the value of your home and belongings. Make sure the limits are sufficient to replace or repair any items in case of a claim.
• Exclusions and limitations: Review the policy exclusions and limitations to understand what is not covered. Take note of any specific items or circumstances that might not be covered under the policy.
• Deductibles and premiums: Compare the deductibles and premiums across different policies. Assess how much you would need to pay out of pocket in the event of a claim and how it affects the overall cost of the policy.
• Additional benefits: Look for any additional benefits or perks offered by the insurance provider. This could include features like emergency accommodation, temporary storage, or legal liability coverage.
• Customer reviews and ratings: Research the reputation of the insurance providers by reading customer reviews and ratings. Look for feedback on their claims process, customer service, and overall satisfaction.
• Financial strength of the insurer: It is important to choose an insurance provider with strong financial stability. This ensures that they will be able to honor claims and provide support when needed.
• Discounts and rewards: Check if the insurance provider offers any discounts or rewards for policyholders. This could include multi-policy discounts, loyalty rewards, or premium discounts for security measures installed in your home.
• Policy terms and conditions: Carefully read and understand the policy terms and conditions. Familiarize yourself with any obligations or responsibilities you have as the insured and any requirements for filing a claim.
• Ease of comparison and online tools: Take advantage of online tools and resources that allow you to compare multiple home and contents insurance policies in Queensland. These tools can help you easily compare coverage, costs, and benefits.

By considering these key factors and utilizing online tools for comparison, you can find the best home and contents insurance policy in Queensland that suits your needs and provides peace of mind knowing your home and belongings are protected. So, take your time, do thorough research, and make an informed decision.

Remember, ensuring your home and contents are adequately protected is an essential aspect of responsible homeownership.

Tips For Finding Affordable Home And Contents Insurance Qld

Looking for affordable home and contents insurance in Queensland? Find out top tips for finding the best deals and securing your property with the right coverage. Trustworthy and budget-friendly insurance options are just a few clicks away.

Finding affordable home and contents insurance in Queensland doesn’t have to be a daunting task. By following these strategies for reducing insurance premiums and taking advantage of discounts and incentives, you can protect your home and belongings without breaking the bank.

Strategies For Reducing Insurance Premiums:

• Review your coverage needs: Assessing your insurance needs can help you determine the appropriate coverage for your home and belongings. By opting for the right level of coverage, you can avoid overpaying for insurance.
• Improve home security: Installing security features such as burglar alarms, security cameras, and deadbolt locks can minimize the risk of theft and lower your insurance premiums.
• Bundle policies: Consider bundling your home and contents insurance together with the same provider. Many insurance companies offer discounts when you combine multiple policies.
• Increase deductibles: A higher deductible can result in lower premiums. However, it’s important to ensure that you choose a deductible that you can afford to cover in the event of a claim.
• Maintain a good credit score: Insurance companies often consider your credit score when determining your premiums. By maintaining a healthy credit score, you may qualify for lower insurance rates.
• Shop around for quotes: It’s worth comparing quotes from multiple insurance providers to ensure you’re getting the best deal. Remember to consider both the cost and the coverage offered by each provider.

Taking Advantage Of Discounts And Incentives:

• No-claim bonuses: Some insurance companies offer discounts or incentives if you haven’t made any claims during a specific period. This can be a great way to reduce your premiums over time.
• Loyalty discounts: If you’ve been with the same insurance company for several years, they may reward your loyalty with lower premiums or special discounts.
• Security system discounts: Having a monitored security system in place can often lead to discounted insurance premiums. Check with your provider to see if they offer any incentives for installing such systems.
• Age-based discounts: Some insurance companies offer discounts based on the age of your home or the age of the policyholder. Older homes may be eligible for lower premiums, while senior citizens may qualify for senior discount programs.
• Group discounts: Certain associations, organizations, or professional groups offer group insurance plans that provide discounts to their members. It’s worth exploring if you can take advantage of any group discounts.

By implementing these strategies and exploring the various discounts and incentives available, you can find affordable home and contents insurance in Queensland while ensuring your home and belongings remain protected.

Common Misconceptions About Home And Contents Insurance Qld

Don’t believe these misconceptions about home and contents insurance in Queensland. Get the facts straight to ensure you have the right coverage for your property and belongings.

Home and contents insurance is an important aspect of protecting your property and belongings in Queensland. However, there are several misconceptions surrounding this type of insurance that can leave homeowners confused and unaware of their coverage options. In this section, we will address these misconceptions and dispel any myths, clarifying the important aspects of home and contents insurance in Queensland.

Addressing Misconceptions And Dispelling Myths:

• Misconception 1: Home and contents insurance is only for homeowners: Contrary to popular belief, home and contents insurance is not exclusively for homeowners. It is equally important for renters, as it covers the contents of the rented property, providing financial protection in case of theft, damage, or natural disasters.
• Misconception 2: Home and contents insurance is too expensive: While the cost of insurance can vary depending on factors such as the value of your property and level of coverage, home and contents insurance is generally more affordable than people realize. It is crucial to compare different insurance policies to find the one that suits your needs and budget.
• Misconception 3: Home and contents insurance covers all types of damage: It is important to understand that home and contents insurance does not cover all types of damage. Typical policies cover events like fire, storm damage, theft, and certain natural disasters. However, certain events, such as damage caused by termites or general wear and tear, may not be covered. It is essential to carefully read your policy and understand the specific coverage it provides.
• Misconception 4: Home and contents insurance is optional: While home and contents insurance is not legally required in Queensland, it is highly recommended. Without insurance, you would be responsible for covering the costs of repairing or replacing your property and belongings in the event of an accident or disaster.
• Misconception 5: Home and contents insurance covers all personal belongings: Home and contents insurance typically covers personal belongings within the home, such as furniture, appliances, and clothing. However, it may not cover high-value items like jewelry, artwork, or collectibles. To protect these valuable possessions, additional coverage, such as a valuable items policy or endorsements, may be necessary.
• Misconception 6: Home and contents insurance automatically includes flood coverage: Flooding is one of the most common misconceptions when it comes to home and contents insurance. Many policies do not automatically include flood coverage, and this is especially relevant in flood-prone areas in Queensland. If you live in an area susceptible to flooding, it is essential to check your policy and consider adding flood coverage if necessary.

By dispelling these common misconceptions, we hope to provide you with a clearer understanding of home and contents insurance in Queensland. It is crucial to carefully assess your coverage needs, compare policies, and seek professional advice if required. Protecting your home and belongings ensures peace of mind and financial security in the face of unforeseen events.

Making A Claim For Home And Contents Insurance Qld

Looking to make a claim for your home and contents insurance in Queensland? Get the coverage you need with a simple and straightforward process that ensures peace of mind for your property and belongings. Secure your assets with reliable home and contents insurance in Qld.

Step-By-Step Guide On How To Make A Claim

If you find yourself in a situation where you need to make a claim for your home and contents insurance in Queensland, knowing the process and requirements can help streamline the experience. Here’s a step-by-step guide to help you through the claim process with ease:

• Contact your insurance provider: As soon as you can, get in touch with your insurance company to inform them about the incident and start the claim process. Be prepared to provide them with all the necessary details and documentation.
• Gather essential information: To expedite the claim, collect all the relevant information related to the incident. This could include any police reports, photographs of the damage, receipts for repairs or replacements, and any other supporting evidence.
• Document the damage: Take pictures or videos of the damaged areas and items. This visual evidence will assist in the assessment of your claim.
• Report the incident promptly: Make sure to report the incident, such as a theft or accidental damage, to the police if required. Obtain a copy of the police report as it will validate your claim.
• Notify your provider in writing: Confirm your claim in writing, either through an email or a letter. Include all the necessary details, such as your policy number, the incident date, and a description of what happened.
• Provide supporting documentation: Your insurance company will require specific documents to process your claim effectively. These may include receipts, valuations, or invoices for damaged or stolen items, as well as any other relevant paperwork.
• Cooperate with your insurer: Throughout the claim process, make sure to cooperate fully with your insurance company. Provide any additional information or assistance they request promptly.
• Assessment of your claim: Once your claim is submitted, your insurer will evaluate the damages and assess whether they are covered by your policy. They may send an assessor to investigate further if necessary.
• Receive a settlement offer: If your claim is approved, your insurance company will provide you with a settlement offer. This offer may cover the cost of repairs, replacements, or any other agreed compensation.
• Settlement process: If you accept the settlement offer, your insurer will guide you through the necessary steps to finalize the claim and receive your payment. You may need to complete some paperwork or provide additional documentation.

It’s important to remember that the claims process can vary depending on your insurance provider and policy terms. Familiarize yourself with your insurance documents to understand the specific requirements for making a claim. By following these steps, you can ensure a smoother experience when making a claim for your home and contents insurance in Queensland.

Understanding Exclusions And Limitations In Home And Contents Insurance Qld

Understanding exclusions and limitations in home and contents insurance in QLD is crucial for homeowners. Being aware of what is not covered and any policy restrictions can help homeowners make informed decisions and ensure they have sufficient coverage for their property and belongings.

Home and contents insurance provides essential coverage to protect your property and belongings from unexpected perils. However, it’s crucial to understand that insurance policies have exclusions and limitations that you need to be aware of. These exclusions specify the circumstances in which your insurance may not provide coverage, while limitations define the maximum amount that you can claim for certain items or events.

By understanding these factors, you can mitigate risks and ensure comprehensive coverage for your home and its contents.

Common Exclusions And Limitations To Be Aware Of:

• Natural disasters: While home and contents insurance typically covers a range of perils, certain natural disasters like floods, earthquakes, and cyclones may be excluded. It’s important to assess your property’s vulnerability to these events and consider supplementary policies if necessary.
• Wear and tear: Insurance policies typically do not cover damages resulting from general wear and tear, including deteriorating foundations, aging roofing materials, or gradual deterioration of appliances. Regular maintenance and keeping your property in good condition can help minimize these risks.
• Negligence and intentional acts: Deliberate acts or negligence that lead to damage or loss, such as leaving your home unsecured, may not be covered by insurance. Taking necessary precautions to secure your property, installing security systems, and being vigilant can significantly reduce the risk of such incidents.
• High-value items: Most policies have limitations on the coverage for high-value items, such as jewelry, artwork, or collectibles. These limitations often have maximum claim limits, so it’s crucial to review your policy and consider additional coverage for these valuable possessions.
• Unoccupied properties: If your property remains unoccupied for an extended period, typically exceeding 30 consecutive days, your insurance coverage may be limited or even voided. Inform your insurer if your property will be vacant for an extended period to ensure proper coverage.

How To Mitigate Risks And Ensure Comprehensive Coverage:

• Read and understand your policy: Review your insurance policy thoroughly to familiarize yourself with the exclusions and limitations specific to your coverage. This will help you identify any gaps and make informed decisions about additional coverage.
• Assess your risks: Evaluate the potential risks specific to your location and property. If you live in an area prone to natural disasters or crime, consider adding supplementary coverage to protect against these specific risks.
• Maintain your property: Regular maintenance can help prevent damages caused by wear and tear. Stay proactive by addressing repairs promptly and keeping your property in good condition.
• Secure your home: Installing security systems, smoke detectors, and burglar alarms can deter potential threats and reduce the risk of damage or loss. This proactive approach may also help lower your insurance premiums.
• Keep an inventory: Maintain a detailed inventory of your belongings, including receipts, photographs, and serial numbers. This will make the claims process smoother and ensure accurate reimbursement in the event of a loss.
• Review and update your coverage regularly: As your circumstances change, such as acquiring high-value items or renovating your property, it is essential to review and update your insurance coverage accordingly. Regularly assessing your coverage ensures you have adequate protection for your evolving needs.

By understanding the exclusions and limitations of your home and contents insurance policy, you can take proactive steps to mitigate risks and ensure comprehensive coverage. Assessing your risks, maintaining your property, and reviewing your coverage regularly will help protect your home and belongings, providing you with peace of mind.

Additional Coverage Options For Home And Contents Insurance Qld

Discover the selection of additional coverage options available for your home and contents insurance in Queensland. Protect your belongings and property with the comprehensive coverage that suits your unique needs.

When it comes to protecting your home and its contents in Queensland, it’s important to consider additional coverage options that can provide you with more comprehensive protection. With the right add-ons and endorsements, you can have peace of mind knowing that you are covered for a wide range of risks and potential losses.

Here are some optional coverage add-ons and endorsements to consider for your home and contents insurance policy:

Optional Coverage Add-Ons:

• Flood insurance: Queensland is known for its extreme weather conditions, including heavy rainfall and potential flooding. Adding flood insurance to your policy can provide financial protection in the event of water damage caused by flooding.
• Personal valuables coverage: This add-on can provide coverage for high-value items like jewelry, electronics, and artwork that may exceed the standard coverage limits of your home and contents insurance policy. By adding personal valuables coverage, you can ensure that your most valuable possessions are adequately protected.
• Accidental damage coverage: Accidents can happen unexpectedly, and they can result in costly repairs or replacements. Adding accidental damage coverage to your policy can provide coverage for accidental damage to your home or contents, such as accidentally spilling wine on your carpet or dropping your laptop.
• Legal liability coverage: This coverage can protect you financially if a person is injured or their property is damaged while on your property. It can help cover the cost of legal fees and compensation if you are found legally responsible for the damages or injuries.

Endorsements To Consider:

• Pet damage endorsement: If you have pets, they can sometimes cause damage to your home and contents. This endorsement can provide coverage for pet-related damage, such as scratched floors or chewed furniture.
• Home office coverage endorsement: If you work from home or have a home office setup, this endorsement can offer coverage for your office equipment, supplies, and business property in case of damage or loss.
• Identity theft coverage endorsement: Identity theft is a growing concern, and this endorsement can help cover the expenses related to restoring your identity if you become a victim of identity theft.
• Temporary accommodation endorsement: In the event that your home becomes uninhabitable due to a covered loss, this endorsement can cover the costs of temporary accommodation while your home is being repaired or rebuilt.

Considering these optional coverage add-ons and endorsements can provide you with the added protection and peace of mind you need as a homeowner in Queensland. Make sure to review your home and contents insurance policy carefully and discuss these options with your insurance provider to determine the best coverage for your specific needs.

Tips For Maintaining And Updating Home And Contents Insurance Qld

Discover practical tips for effectively maintaining and updating your home and contents insurance in Queensland. Stay informed and ensure your policy adequately covers your valuable assets.

Regularly Reviewing Your Coverage And Policy

• Ensure that your home and contents insurance policy is up to date by conducting regular reviews. Consider the following points:
• Regularly assess your coverage needs: Take into account any changes in your circumstances such as renovations, acquiring valuable possessions, or changes in property value.
• Check for any gaps in coverage: Review your policy to ensure that it adequately covers all potential risks and liabilities.
• Evaluate the policy limits: Make sure the coverage limits are sufficient to protect your home and belongings adequately.
• Consider any additional coverage options: Assess whether you need to add any riders or endorsements to your policy for specialized coverage.
• Check for any changes in policy terms and conditions: Familiarize yourself with any updates in your policy language or deductibles.

Updating Information And Making Necessary Changes

• Regularly update your insurance provider with any relevant changes to your home and contents insurance. Here are some essential updates you should consider:
• Changes in your address: Inform your insurer if you move to a new property to ensure your coverage remains accurate and in effect.
• Renovations or additions to your home: If you make any modifications or upgrades to your property, notify your insurer to ensure proper coverage of these new features.
• Purchasing expensive items: If you acquire high-value possessions such as jewelry, artwork, or electronics, inform your insurer to add these items specifically to your policy.
• Changes in occupancy: Whether you rent out a portion of your property or have a change in tenants, inform your insurer about any alterations in occupancy status.

Remember, keeping your home and contents insurance up to date is crucial to ensure you are adequately covered and prepared for any unforeseen events. By regularly reviewing and updating your policy, you can have peace of mind knowing that your home and belongings are protected.

Frequently Asked Questions About Home And Contents Insurance Qld

Find answers to commonly asked questions about home and contents insurance in Queensland, including coverage options, policy inclusions, and how to make a claim. Stay informed and protect your property with the right insurance coverage.

Home and contents insurance is an important aspect of protecting your property and possessions. But with so many options and terms to navigate, it’s natural to have questions. In this section, we’ll address some frequently asked questions about home and contents insurance in Queensland.

Let’s dive in and clarify any doubts or concerns you may have.

Common Questions And Answers About Insurance Coverage:

• What does home and contents insurance cover?
• Home and contents insurance generally covers damage or loss to your property and personal belongings caused by events like fire, theft, storm, and certain natural disasters.
• Are my valuables covered under home and contents insurance?
• Yes, most policies include coverage for valuable items such as jewelry, electronics, and artworks. However, there may be limits or additional requirements for high-value items, so it’s important to check the policy details.
• Do I need home and contents insurance if I’m renting?
• While your landlord’s insurance may cover the structure of the property, it won’t protect your personal belongings. Having contents insurance is still relevant for renters to safeguard their possessions in case of loss or damage.
• Can I adjust the level of coverage in my policy?
• Absolutely! Home and contents insurance policies often offer different levels of coverage to suit your needs and budget. You can adjust the sum insured and add optional extras for additional protection, such as accidental damage coverage.
• Are my belongings covered outside of my home?
• Many policies provide coverage for personal belongings even when they’re outside your home. This could include items you take with you on trips or while you’re away from your property. Be sure to check the policy wording to understand the specific terms and conditions.
• Will my home and contents insurance cover renovations or extensions?
• It’s essential to inform your insurance provider about any significant renovations or extensions to your property. Depending on the scope of the work, you might need to adjust your policy or take out additional coverage to ensure adequate protection.
• What happens if I accidentally damage my own property?
• Accidental damage coverage is often available as an optional extra. This can provide protection from accidental damage caused by you or your family members, such as spilling a drink on your laptop or breaking a window.
• Does home and contents insurance include liability coverage?
• Yes, most home and contents insurance policies include liability coverage. This means you’re protected if someone is injured on your property and holds you responsible for their injuries. It’s crucial to review the policy details to understand the specific coverage amount.
• Is flood damage covered under home and contents insurance?
• Flood coverage can vary depending on the policy and your location. Some insurers offer optional flood insurance, while others may include it as standard. It’s important to check whether your policy covers flood damage and what type of events are considered as floods.
• How can I save money on home and contents insurance?
• There are several ways to potentially save on home and contents insurance premiums. These may include opting for a higher excess, bundling your insurance policies, installing security measures, or shopping around for competitive quotes from different insurers.

These common questions and answers about home and contents insurance in Queensland aim to provide clarity and help you make informed decisions when selecting the right coverage for your needs. Understanding your policy and discussing any specific concerns with your insurance provider will ensure you have the appropriate level of protection for your property and belongings.

Credit: www.naahq.org

Frequently Asked Questions Of Home And Contents Insurance Qld

Who has the best house and contents insurance.

The best house and contents insurance is subjective and depends on individual needs. It is important to compare insurance providers to find the most suitable coverage for your specific requirements. Some well-regarded insurance companies that offer comprehensive house and contents insurance include State Farm, Allstate, Progressive, and Geico.

They provide a range of coverage options and competitive pricing. Research customer reviews and obtain quotes from multiple insurance providers to make an informed decision. Remember to consider factors such as customer service, claims handling, and policy offerings when selecting the best house and contents insurance for you.

Who Has The Cheapest House And Contents Insurance?

The cheapest house and contents insurance can vary depending on factors like location and the coverage you need. One option to consider is shopping around and getting quotes from different insurance providers. This allows you to compare prices and find the most affordable option for you.

Additionally, some insurance companies may offer discounts or special deals that can help lower the cost of your insurance. Another way to potentially save money is by bundling your house and contents insurance with the same provider. This can sometimes lead to a discounted rate.

It’s important to remember that while finding the cheapest insurance is a priority, it’s also essential to ensure that the policy meets your needs and provides adequate coverage for your home and contents.

What Type Of Home Insurance Covers The Contents Of Your Home?

A home insurance policy that covers the contents of your home is called contents insurance. It protects your personal belongings from damage or theft. Contents insurance is usually separate from your home insurance policy and can be purchased as a standalone policy or as an add-on to your existing home insurance.

It provides coverage for items such as furniture, appliances, electronics, clothing, and jewelry. In the event of a covered loss, contents insurance will help you replace or repair the damaged or stolen items. It’s important to assess the value of your belongings and select an appropriate coverage amount for your contents insurance to ensure you are adequately protected.

How Much Of Homeowners Insurance Is For Contents?

The amount of homeowners insurance for contents varies depending on your policy. It typically covers a percentage, often around 50% to 70%, of your home’s insured value. For example, if your home is insured for $300,000, your contents coverage could be between $150,000 and $210,000.

This coverage protects your personal belongings, such as furniture, appliances, clothing, and electronics, against damage or theft. It’s essential to accurately estimate the value of your contents to ensure adequate coverage. Keep in mind that certain high-value items, such as jewelry or artwork, may require additional coverage or a separate policy.

Reading and understanding your insurance policy is crucial to know exactly how much coverage you have for your contents.

To protect your home and its contents in Queensland, having home and contents insurance is crucial. It provides peace of mind against unexpected events like theft and natural disasters. By choosing the right policy, you can safeguard your assets and ensure financial stability in times of crisis.

It is advisable to thoroughly understand the terms and coverage of your insurance to avoid any surprises during a claim. Regularly reviewing and updating your policy is necessary as your circumstances and needs may change over time. Additionally, considering additional coverage options like accidental damage or flood insurance can provide even more comprehensive protection.

Remember, prevention is better than cure, so taking steps to secure your property and belongings can aid in minimizing risk. The investment in home and contents insurance is a small price to pay for the reassurance it offers and the valuable protection it provides.

Safeguard your home and its contents today, and rest easy knowing that you are prepared for the unexpected.

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Catholic Church-owned insurer says 'high volume' of abuse claims is putting it out of business

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Paul O'Halloran went to Marist College in north-west Tasmania the 1960s.

In recent times, he's seen six former staff members from the Burnie Catholic school jailed for historical child sexual abuse.

Allegations have been made against another five, who have since died.

"It's unimaginable, I think, the damage that's been done to this community through the abuse on the scale that it was," said Mr O'Halloran, a former Tasmanian Greens state MP.

Mr O'Halloran and his brother both allege they were abused by priests at Marist.

Since  sharing his story publicly, Mr O'Halloran said he had become a "go-to person" for others who alleged they had been abused at the school in the 1960s, '70s and '80s.

He said he had supported several victim-survivors who have sought justice through the civil courts.

"I think they've found some solace going through that process."

Mr O'Halloran said the process gave an important acknowledgement of the abuse.

"In all my dealings with [the] Marist [religious order] around abuse claims, they've acted in good faith."

Insurer challenged by 'high volumes' of abuse claims

There are concerns it will become harder for people with claims of abuse against Catholic institutions to receive payments decided by civil courts.

Catholic Church Insurance (CCI), an insurance company owned by the church that insures Catholic entities, went in to run-off in May, meaning it was not issuing new insurance policies.

The insurer has about 7,000 policies in force. Before entering run-off, it had more than 16,000. Most will end by June next year.

In a letter to policy holders, CCI director Joan Fitzpatrick said:

"The past few years in CCI's history have been continuously challenged by unprecedented demands on capital reserves, in large part due to high volumes of professional standards [abuse] claims."

CCI estimated it had $381.3 million in liabilities relating to abuse claims.

The national Royal Commission into Institutional Responses to Child Sexual Abuse, which handed down its final report in 2017, found that within the Catholic Church, 1,880 alleged perpetrators of child sexual abuse had been identified.

Ms Fitzpatrick said while CCI was operating in run-off, it "continues to experience financial vulnerability especially as professional standards claims persist".

The board has proposed a legally binding "scheme of agreement".

Under the scheme, if its financial situation worsens further, CCI won't pay abuse claims in full. How much of each claim would be paid would be determined by the scheme's manager, the embattled consulting giant PwC.

The scheme of agreement will be voted on by policyholders on Tuesday. It also needs Federal Court approval.

Calls for church to prop up insurer

CCI's financial problems have been building since the royal commission. In 2021, 18 CCI shareholders — Catholic dioceses and religious organisations — contributed to the insurance company's funds.

At the time, the Australian Catholic Bishops Conference said the contribution would shore up the church's ability to support victim-survivors.

A spokesperson for CCI said further capital injections had been sought, "however shareholders have been unable to contribute further capital".

Mr O'Halloran said the church should continue to ensure CCI had enough funds to continue operating and to continue insuring Catholic entities for abuse claims.

"They are an enormously wealthy organisation the Catholic Church … so for the Catholic Church to say that they can't afford to meet their liabilities through the Catholic Church Insurance, in my view, is immoral."

Lawyer Angela Sdrinis, who specialises in abuse claims, said religious institutions generally were struggling to find insurance that would cover abuse claims.

Ms Sdrinis said the way the Catholic Church had organised itself meant victim-survivors had to sue particular entities — such as religious orders or dioceses — not the church directly.

Without insurance cover for abuse claims, Ms Sdrinis said some of those entities may not have the funds or assets to pay.

"If there's no insurance to indemnify particularly some of the smaller orders or dioceses, I think we'll very quickly see that various sections of the Catholic Church are crying poor and that there won't be enough money to appropriately compensate victims," she said.

"Whether or not it will become possible for legislation to be passed whereby the Catholic Church as one legal entity can be sued, that would potentially solve the problem, because I can't see the Catholic Church is ever going to run out of money."

Mr O'Halloran said if victim-survivors did find it harder to sue for abuse in Catholic institutions, politicians should step in.

"Repeal those laws that protect the assets of the Catholic Church — that's one thing they can do — make them more financially accountable in terms of reporting to the regulator, reduce their tax-exempt status, reduce the amounts of taxpayer money that is going to Catholic organisations, and reduce the amount of state capture that the Catholic church has over many politicians."

In a joint statement issued when CCI entered run-off, the Australian Catholic Bishops Conference said church leaders "will continue to work towards justice and healing for the crimes and sins that took place, where that is possible, including through the payment of compensation".

Related Stories

'i am sorry': principal apologises to victims of historic child sex abuse on behalf of church.

'The worst part was the sexual abuse': Former students sue Marist Fathers

'Sitting on a volcano': Letter reveals principal knew about sex abuse allegations in 1970s

• Child Abuse

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