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Home & Contents Insurance

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Covers your home, fixtures and fittings and your belongings.

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.

QBE offer two forms of cover; Home and Contents Insurance and Home Prestige.

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What is included?

QBE Home Cover

Included:	Optional extras:
Fire Flood Storm Theft Vandalism Water damage Temporary accommodation Essential temporary repairs Legal liability Accidental glass breakage Food spoilage	Food spoilage Contents outside your home (up to specified limits) Accidental damage

QBE Home Prestige

Standard benefits (in addition to Home Cover inclusions above):	Optional extras:
Accidental damage Contents in storage Power surge Portable contents away from home	Domestic workers compensation Specified portable valuables eg: jewellery with higher values

Insurance Calculators

Home Calculator

The home insurance calculator will estimate the cost of rebuilding your home.
This is the amount you need to insure your home for (known as your ‘sum insured’).
QBE's estimate reflects where you live, the size of your home, and the materials / labour needed to rebuild.
It will also factor in costs that are often overlooked, such as architect and surveyors’ fees and debris removal.
This estimate isn’t the same as your home’s real estate value.

Use calculator

Contents Calculator

The contents insurance calculator estimates the cost of replacing your belongings.
This is the amount you need to insure your contents for (known as your ‘sum insured’).
QBE's estimate will reflect the value of your belongings, including higher risk items such as jewellery, electronics and gadgets.
Contents insurance includes new-for-old replacement on most items.

Use calculator

A few things to remember

Costs vary over time, so review your sum insured every year.
Re-evaluate your sum insured when you renovate and make new purchases.
Accurate valuations can be provided by an independent professional such as a quantity surveyor, valuer or other suitably qualified professional.
The cost of rebuilding your home is not the same as its real estate value.

Ways to save insurance costs

1. Flexible excess

Lower the cost of your cover by opting for a higher excess

2. Security discount

Security devices such as alarms and deadlocks (that meet our minimum standards) can save you money

3. Over 50s discount

Senior policyholders can save

4. Retirees discount

Lower premiums for retired customers

Our relationship with QBE

Home Cover is one of a comprehensive range of insurance solutions Orange Credit Union offers 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 its prompt, efficient and friendly claims service – that we’ve made it our general insurance provider.

This partnership enables us to deliver Orange Credit Union's members quality and value in insurance products, with the added convenience of having everything under the same roof.

Additional Product Information:

_{Important Information: As a holder of Australian Financial Services Licence (AFSL No. AFSL 240768.), Orange Credit Union can issue, vary, renew and cancel this insurance policy under a ‘binder’ provided by the Insurer. A ‘binder’ is an agreement that allows Orange Credit Union, as agent of the Insurer, to enter into contracts of insurance on behalf of the Insurer. This means that the insurance policy issued to you by Orange Credit Union is binding on the Insurer just as if it had issued the policy itself. Insurance policies are issued by QBE Insurance (Australia) Limited, ABN 78 003 191 035, AFS Licence 239545. Before making a decision about your insurance needs please refer to the Product Disclosure Statement (PDS) and Target Market Determination (TMD) available from Orange Credit Union.}

_{Terms and Conditions apply: Multi-policy discount is not available on your first policy and only applies when all policies (excluding boat) are purchased through Orange Credit Union.}

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