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Home and small business insurance

Home insurance

A property is a valuable asset, so it's important to consider insuring it. QBE home insurance gives you three products that may suit your needs, whether you want to insure the building you call home, the contents that you or your family own within your building, or an investment property that brings in returns.

Save 10% when you buy a new QBE home insurance policy online today.*

Get a home quote

Small business insurance

Every business is different, so the industry in which you operate and the products and services you provide will determine the insurance required for your small business. Small business insurance can include business liability, business buildings and contents cover and more. QBE Small Business Insurance is designed for thousands of occupations like tradies, professional services, hospitality and retail.

Save up to 10% when you buy a new QBE Small Business Insurance policy online today.#

Get a small business quote

Why choose QBE Insurance?

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Flexible cover

Our range of insurance options ensures you have the flexibility to choose the cover you need for your home or small business.

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Claim online anytime

In tough situations, you’ll have access to expert claims teams and a selected supplier network ready to help.

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Trusted insurer

We're an insurer that's been protecting Australians for over 135 years.

QBE can help cover your home or small business

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Home

Your home is a valuable asset, so it makes sense to cover it for things like fire, theft, storm and flood. Get flexible cover for your home and/or belongings, with the option to add extra benefits.

What’s included?

Your cover will depend on whether you’ve chosen to insure your buildings, its contents, or both. Buildings and contents cover can include:

  • Cover for damage or loss caused by storm, fire, theft, flood and more
  • Up to $30 million legal liability cover
  • Emergency temporary repairs
  • A lifetime guarantee on buildings repairs made by our suppliers
  • Temporary accommodation costs for up to two years if your home isn’t liveable due to damage by an insured event
  • Burnout of electric motors
  • Up to 30% Buildings Sum Insured Safeguard benefit (eligibility criteria applies)
  • Cover for your contents in transit to your new residence
  • Contents cover when you move house for up to 60 days at both your current and new permanent homes
  • Security upgrades after a burglary
  • Environmental upgrades.

Options you can add to your policy

(for an additional premium)

  • Accidental Damage option
  • Portable Contents option.
Get a home quote

To find out more about QBE home insurance please read the relevant home insurance PDS, KFS and TMD for limits, exclusions and conditions that apply.

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Small Business

Small Business Insurance automatically comes with Business Liability cover as your base. It provides cover for public liability including third-party personal injury and property damage. You can also add extra covers to suit your business needs.

What’s included?

Business liability cover (sometimes referred to as public liability) covers personal injury or property damage caused in connection with your business, with the option of a $5m, $10m or $20m limit.

Optional cover

  • Business Buildings and Contents cover for physical loss or damage to your business buildings and/or your business contents caused by an insured event up to the limit you select
  • Business Interruption cover for loss of gross income up to the limit selected as a result of loss of, or damage to property insured under 'Business Buildings and Contents', 'Money', 'Theft', 'Glass' or 'Portable Items' sections from an insured event
  • Portable Items cover for insured items that are taken away from the location your business operates from, up to the limit you select
  • Theft cover for loss or damage resulting from theft of business property up to the limit specified
  • Money cover for loss or damage to money belonging to you and connected with your business, up to the limit you select
  • Glass cover for damage to internal and external glass as shown on your policy schedule
  • Breakdown cover for the cost of repairing or replacing insured business machinery if it breaks down, up to the limit you select
  • Tax Audit cover for accountant fees associated with a statutory tax audit, up to the limit you select.
Get a small business quote

To find out more about QBE Small Business Insurance please read the QBE Small Business Insurance Policy Wording for limits, exclusions and conditions that apply.

Frequently asked questions

QBE Home Insurance

If the claim is for loss or damage from the same event (for example, storm damage to your home and contents), you just pay the higher basic excess – either your buildings or contents basic excess. Other excesses may apply to your claim, read the PDS and your Certificate of Insurance for more information.

When working out the sum insured for your buildings, the amount should cover the full cost to rebuild your home, including things like fences, carports and inground swimming pools. It should also include costs like demolition and debris removal. This isn’t the same as the real estate value, and it should not include the land value. A home building calculator can help you estimate a value. Consider the increase in building costs – for both materials and labour. If you’re still unsure, please seek professional advice as building sum insured calculators can help estimate the cost, but are provided as a guide only.

You can use a contents calculator to estimate the replacement cost for your contents. Remember to include things like carpet, internal blinds, curtains, furniture, whitegoods and personal items.

Items of value, including jewellery and artworks, can be listed separately on your Certificate of Insurance, as part of the overall contents sum insured.

Estimating replacement costs can be tricky, so checking prices through online retailers can be helpful. If you’re still unsure, it’s a good idea to consult an insurance professional as calculators are generic and may not be accurate.

If you move, call 133 723 to update your policy with details of your new home.

Please have the following handy:

  • The date of your move
  • Your new address
  • Details about your new home, including its age and construction materials.

 

QBE Small Business Insurance

Small business insurance is designed to help business owners manage a variety of risks. It typically bundles a variety of cover types together in one easy-to-manage policy, rather than buying each one separately, saving time and potentially cost. The most common type of cover is business liability, which can provide financial protection if a liability claim is made against your business. Other additional options may be available to cover things like your business buildings and contents, machinery and equipment, tools and stock or to cover you in case of business interruption, theft and more.

Most businesses face some type of risk every day, even small businesses, which is why insurance is so important. Also, there are some types of insurance that are compulsory for many small businesses. For example, it might be a legal requirement to have a certain level of business liability cover before you can start work. You may also need to consider other cover depending on your business needs, preferences and risk profile.

Every business is different, so the industry in which you operate and the products and services you provide will determine the insurance to consider for your small business. Most businesses need public liability cover which is why QBE's Small Business Insurance automatically comes with business liability cover. It covers you for all sums you become legally liable to pay by way of compensation in respect of personal injury or property damage happening during the period of insurance and caused by an occurrence in connection with your business occupation.

If you'd like cover for other parts of your business, like your business buildings, tools and equipment, and stock, you can choose to add these as options when you get a quote.

Read the QBE Small Business Insurance Policy Wording to decide if the product is right for you.


Cost will depend on a number of factors, like the type of business and the risks involved. Every business is unique, so we ask questions to determine our pricing and if we're able to offer the covers selected. We do not advise on insurance needs. You can choose the cover you need to protect your small business when you get a quote.

QBE Home Insurance, QBE Contents Insurance, QBE Landlord Insurance and QBE Small Business Insurance are issued and underwritten by QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239545) (QBE). Costco Wholesale Australia PTY LTD, ABN 57 104 012 893 acts as a referrer and does not receive commission for any referral it makes that results in a policy being taken out with QBE. 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 Policy Wording or Product Disclosure Statement (PDS) and Target Market Determination (TMD).

*10% discount off base premium for Costco Members who purchase a QBE Home Insurance, QBE Contents Insurance or QBE Landlord Insurance policy online. Discount applies for the first year's premium only. Discount is applied before GST and other applicable government fees, duties and charges.

#Up to 10% discount for buying a new QBE Small Business Insurance policy online. Minimum premiums apply which may limit the actual discount received. Discount applies to first year’s base premium and is applied before GST and other applicable government fees, duties and charges.