Cover you can
count on.

Our home and contents insurance is easy to arrange, simple to claim and competitively priced.

Home and Contents Insurance

For most people, their home is the largest financial investment of their life. And the contents within that home, some of their most important possessions.

So knowing you’ve got reliable cover to protect those items – some of which you may have accumulated over your lifetime – can be very reassuring.
 
With QBANK MemberCare Home and Contents Insurance, you’ll have peace of mind knowing you are covered.* Plus, you’ll enjoy competitive premiums as well as multi-policy discounts. Backed by one of the top global insurers, we offer home and contents cover you can rely on.

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Home Cover

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. See what is covered below. 

Home Cover PDS

Home Cover Prestige

Home Cover Prestige provides cover, in addition to the specific events listed below, as it also protects you against power surge, 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.

Home Cover Prestige PDS

Core defined events

  • Storm, rain or flood
  • Falling tree, branch or aerial
  • Lightning or thunderbolt
  • Water or other liquid
  • Fire
  • Explosion
  • Earthquake or tsunami
  • Theft
  • Vandalism
  • Collision
  • Damage by animals
  • Riot
  • Accidental glass breakage

Compare our cover options

Additional Benefits

Home Cover

Home Cover Prestige
Building sum Insured Safeguard Up to 30% more than your sum insured Up to 30% more than your sum insured
Environment upgrades to your Building $2,500 $2,500
Environmental upgrades to your contents $500 per item up to a maximum of $2,500 $500 per item up to a maximum of $2,500
Accommodation costs 12 months or 10% of the building sum insured 10% of the building sum insured
Contracting purchaser x ✓
Inflation adjustment ✓ ✓
Mortgage discharge ✓ ✓
Extra costs of reinstatement ✓ ✓
Legal defence costs $2,500 $5,000
Taxation audit $2,500 $5,000
Fusion $2,000 Reasonable costs
Forced evacuation 60 days 60 days
Trees, shrubs and plants $1,500 in total $3,000 in total
Locks $2,500 $2,500
Essential temporary repairs $500 for repairs to your building and $200 for repairs to your contents $500
Compensation for death $5,000 $10,000
Building materials $2,000 $2,000
Building costs ✓ ✓
Cover when you move sites 30 days 30 days
Contents being conveyed to new residence x ✓
Food spoilage $500 Reasonable costs
Accessories, appliance or spare parts $1,000 per item up to $2,000 in total $1,000 per item up to $2,000 in total
Guest's property $5,000 $10,000
Contents temporarily removed Yes - limited Yes - worldwide
Credit card $2,500 $5,000
Veterinary expenses $500 $750
Identity theft $5,000 $5,000
Monitored alarm attendance $1,000 $1,250
Replacement of documentation $1,000 $1,000
Fixtures and fittings ✓ ✓
Domestic Workers Compensation (some states) * ✓ - Optional ✓ - Optional
Extended cover for contents in storage ✓ - Optional Automatically covered (under contents temporarily removed benefit)

Ready when you are

Have a question?

Make an enquiry and we'll get back to you.

Email Enquiry

Let's talk

Speak to a friendly Insurance Specialist.

13 77 28

8:45am to 4:30pm Mon-Fri

Retrieve a quote

Access your quote or policy via our insurance portal.

Insurance Portal

A number of ways to save

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 a No Claim Bonus discount, up to our maximum level, the more years you go without making a claim.

Seniors discount

If any named Policyholders are over 50 years of age, you are entitled to the over 50s discount.

Multi-policy discount

Once you have one MemberCare insurance policy with us, we'll give you a discount on each additional MemberCare policy.

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, $300, $400, $500, $750, $1,000, $2,500, $5,000, $7,500 and $10,000. The higher the excess you choose, the lower the premium you'll pay.

Retirees discount

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.

Make an enquiry

Complete an enquiry form and we'll get back to you as soon as possible.

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Cover backed by QBE

Home and Contents Insurance is one of a comprehensive range of insurance solutions offered through our association with QBE Insurance. Founded in 1886, QBE is one of Australia’s leading insurers. It’s because of QBE’s experience, security and strength – as well as their prompt, efficient and friendly claims service – that we’ve made them our general insurance provider. This partnership enables us to deliver QBANK members quality and value in insurance products, with the added convenience of having everything under the same roof.

 

QPCU Limited (ABN 79 087 651 036, AFSL 241 413) t/a QBANK (QBANK) acts under its own AFSL when distributing the Home Cover and Home Cover Prestige Insurance which is issued by QBE Insurance (Australia) Limited (ABN 78 00 3 1 91 035, AFS License 239545) (QBE). QBANK acts on behalf of QBE when distributing the Home Cover and Home Cover Prestige Insurance and not on your behalf.  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 Home Cover Product Disclosure Statement (PDS), Home Cover Prestige Product Disclosure Statement (PSD) and Financial Services Guide (FSG).