Home Cover core defined events
- Lightning or thunderbolt
- Earthquake or Tsunami
- Water or other liquid
- Falling tree, branch or aerial
- Damage by animals
- Storm, Rain or Flood
- Accidental Glass Breakage
Safeguarding your home and possessions
We all have our valued possessions, along with many more we take for granted. While some are irreplaceable, there are a surprising number we would need to replace, should the worst happen. From kitchen appliances to the kitchen sink and house itself, it all adds up.
What if a major catastrophe – like fire, lightning, storm or flood damage or falling trees – hit your home? How would you afford to replace the clothes, furniture, books and other items lost in a fire? What would be the real cost of rebuilding or repairing your home to the quality and size it is now?
And what of those essentials of daily life we take out and about – music players, mobile phones, digital cameras and sunglasses? Small, portable, easy to lose, and appealing to thieves. Costly to replace and frustrating to do without.
Home Cover is QBE’s building, contents and valuables insurance solution that can protect any or all of these scenarios.
Home Cover provides peace of mind that, if, through specific events, your property is damaged, destroyed or stolen, it can be repaired or replaced. And it will usually be on a “new-for-old” basis, regardless of the item’s age.
Competitive, convenient cover backed by QBE
Founded in 1886, QBE is one of Australia's leading insurers. We are proud to partner with ME to provide ME customers access to insurance policies containing a great range of features and benefits.
A Selection of Benefits
|New for old replacement on most items|
|Legal Liability||$30 Million|
|Building safeguard benefit|
|Burning out of electrical motors (fusion)|
|Spoiled food from power failure|
|Essential temporary repairs|
|Loss of credit cards|
|Contents in storage|
|Cost of replacing locks if your house keys are stolen|
|Cover when you move sites
|Contents temporarily removed from your home
||25% of sum insured, max $3,000
|Legal defence costs
|Replacement of documentation
|Domestic workers compensation||Optional extra**|
|Extended cover for contents in storage||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
A range of ways to save
With QBE there are various ways to enjoy 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.
Household no claim bonus
Continue to earn No Claim Bonus discount, up to our maximum level, the more years you go without making a claim.
A choice of Excess
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.
Easy to arrange, simple to claim
From making your application to making a claim, QBE ensures things are as straightforward as possible.
You can apply online, or by phone. Flexible payment options include monthly or annual direct debit, or credit card payments (excluding American Express and Diners).
If you do need to make a claim, we won’t make you wade through paperwork. QBE have a 24-hour emergency claims number, and in most cases, you need just provide details over the phone.