Core Cover

Landlords insurance core defined events

  • Fire
  • Explosion
  • Lightning or thunderbolt
  • Earthquake or Tsunami
  • Theft (not by tenant)
  • Vandalism
  • Water or other liquid
  • Collision
  • Falling tree, branch or aerial
  • Damage by animals
  • Riot
  • Storm, Rain or Flood
  • Accidental Glass Breakage

You’ll also be covered for a number of benefits and any optional extras that you select.

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.


Protecting your investment property and income

How do you best protect a property you own and rent to tenants?  Choosing the occupants carefully helps, but even with model tenants, there’s no guarantee they’ll take care of things to the standard you’d like.

As a landlord, you need to reduce your vulnerability to vandalism, malicious damage, and theft. Not to mention lost rental income, should your property become unliveable because of major damage.

You also need protection from those unlikely, but still possible, risks like fire, lightning and storm or flood damage, falling trees and unforeseen catastrophes. 

With QBE’s Landlord Cover, you have peace of mind that you’ll be covered if your property is damaged or destroyed by specific events as set out in the policy wording.

A Selection of Benefits

Legal Liability $30 Million
Additional Benefits Cover
Building safeguard benefit covered
Environmental upgrade covered
Burning out of electrical motors (fusion cover) covered
Cover for loss of rent should your tenants be unable to live in the home as a result of damage caused by a defined event covered
Essential temporary repairs covered
Works of art
Building materials awaiting installation $5,000
Optional Benefits Cover
Cover for rent default Optional extra
Cover for theft and/or vandalism by tenants Optional extra

A range of ways to save

With QBE there are various ways to enjoy discounts on your premium.

Security discounts
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 $100, $250, $500, $750, $1,000 and $10,000.  The higher the excess you choose, the lower the premium you’ll pay.


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.

Important Notes

Terms, conditions and acceptance criteria apply.  Cover limits apply as set out in the policy wording.  This material does not take into account your personal needs, objectives and financial circumstances and you should consider whether it is appropriate for you. Please read the Product Disclosure Statement to decide if a product is right for you

Insurance issued by QBE Insurance (Australia) Limited ABN 78 003 191 035 AFS Licence 239545

*Multi-policy discount is available on your first policy after renewal and is only available for Home, Landlords and Motor Vehicle policies that are purchased on referral from ME.