QBE is committed to providing you with the best cover and service to help protect your most treasured items through to the everyday essentials.
Home Cover Prestige is QBE’s building, contents and valuables insurance that can protect against any or all of the following:
With Home Cover Prestige, you’ll have peace of mind that if, through specific events, your property is damaged, destroyed or stolen, it can be repaired or replaced - usually on a “new-for-old” basis, regardless of the item’s age.
It also protects you against malicious damage and accidental loss or damage to home and contents at the insured address. Plus it provides extended cover for your contents when temporarily removed anywhere in Australia and New Zealand, or for up to 90 days when overseas.
|New for old replacement on most items||Yes|
|Legal Liability||$30 Million|
|Building safeguard benefit||Yes|
|Burning out of electrical motors (fusion)||Yes|
|Spoiled food from power failure||Yes|
|Essential temporary repairs||Yes|
|Loss of credit cards||Yes|
|Cost of replacing locks if your house keys are stolen||Yes|
|Cover when you move sites||30 days|
|Contents temporarily removed from your home||25% of sum insured, max $3,000|
|Legal defence costs||$2,500|
|Replacement of documentation||$1,000|
|Domestic workers compensation||Optional extra**|
* Should you be unable to live in the home as a result of damage caused by a defined event
** Available in ACT, TAS & WA only for an additional cost
QBE has made it possible for you to enjoy a range of discounts on your premium:
The more secure your property is – through deadlocks, window locks, and either local or monitored alarms – the less you may have to pay.
Continue to earn No Claim Bonus discount, up to our maximum level, the more years you go without making a claim.
Your excess is the initial amount you have to pay yourself if you make a claim, and we offer options of nil excess, $100, $250, $500, $750 $1,000 and $10,000. The higher the excess you choose, the lower the premium you’ll pay.
If you’re retired and no longer working more than 20 hours a week your premium will reflect the lower-risk nature of your circumstances.