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QBANK Home Contents Plus is a contents policy for strata owners, with accidental damage listed as included and a broad set of insured events. The key questions are whether the policy covers fixtures your owners corporation does not insure, whether its sub-limits fit your belongings, and what the current quote and policy wording say. The limits below are those reported by CHOICE; they are not a substitute for your current certificate or the governing policy wording.
What this policy is—and which insurer documents matter
The exact product reviewed by CHOICE is QBANK Home Contents Plus (strata owners), described as a sum-insured policy: you choose a contents amount, subject to the contract’s terms and limits. CHOICE identifies Insurance Australia Limited as the provider. QBANK says its home-insurance options are offered through CGU and directs customers to the PDS for detailed terms. Check the insurer named on your own quote, certificate and PDS rather than assuming a document for another insurer’s product applies.
In particular, QBE publishes separate direct contents-insurance documents for product QM8698. Its QM8698-1124 PDS is identified as applying to policies beginning or renewing from 11 November 2024, and its document index lists a TMD effective 18 August 2026. Those documents are not evidence of the terms of QBANK Home Contents Plus. See QBE’s contents insurance policy documents and its direct Contents Insurance page only for that distinction.
What the reviewed cover includes
CHOICE’s product page, checked in 2026 (publication date not shown), lists cover for events including fire and bushfire, flood and rainwater runoff, storm and cyclone, storm surge, tsunami, earthquake, explosion, vandalism, impact damage and certain escaping liquids. The same summary lists waiting periods of 72 hours for bushfire or grassfire, rainwater runoff and storm, and 14 days for flood. It lists action of the sea as not covered; storm surge and action of the sea are distinct terms, so check the policy definitions rather than treating them as interchangeable.
#1 Best Overall
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CHOICE lists accidental damage as included in this Plus policy. Its summary also names exclusions such as electronic or mechanical malfunction, virus or processing error, damage to certain equipment while in use, water entering through an opening created by renovations, animals kept at the site and chemical cleaning. The current contract controls whether a particular incident is covered.
Water escape has specific boundaries
The CHOICE summary lists escape of liquid from certain pipes, appliances, baths, sinks, toilets, water tanks and pools. It also says cover excludes the shower recess or base, the item that caused the leak, the item the liquid escaped from, and the cost of finding or fixing a leak that caused no damage. A damaged room may therefore be treated differently from the failed fitting itself.
Rank #2
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Strata fixtures need a responsibility check
CHOICE lists certain permanent fixtures as contents, including built-in furniture and cupboards, stoves, hot-water services, shower screens, paint and wallpaper, built-in air-conditioning, fixed awnings, solar panels, carpets and floating floorboards. It excludes common property and items insured by the owners corporation. QBANK likewise says contents cover may include fixtures the body corporate is not legally required to insure, subject to terms, limits and exclusions.
Recommended Free Tools
Before choosing a sum insured, compare the strata policy and lot-specific responsibilities. Identify which carpets, floorboards, blinds, built-ins and fixed equipment are insured by the owners corporation and which responsibility falls to you; do not count common property or assume a fixture is covered twice.
Rank #3
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- What You Get: Anker USB-C Hub (7-in-1), welcome guide, 18-month warranty, and our friendly customer service.
Limits that can affect a claim
The figures below are limits reported by CHOICE on a page checked in 2026; the page’s publication year is not shown. They are product limits or sub-limits, not guaranteed claim outcomes. Check the current schedule and wording for definitions, eligibility and any item-specific caps.
| Cover described by CHOICE | Reported limit or condition |
|---|---|
| Legal liability | Up to $20 million for named policyholders and resident family members in incidents in Australia. |
| Temporary accommodation | Up to 24 months or 20% of the sum insured, paid on top of the sum insured; includes additional living expenses and removal or storage costs. |
| Debris removal | Up to 10% of the sum insured, paid on top of the sum insured. |
| Spoiled food and prescription medication | Up to $2,000 for eligible loss. CHOICE says no excess applies if the claim relates only to spoilage; damage to refrigerators or freezers is excluded. |
| Jewellery, artwork and collections | $2,500 overall. Check specified-item provisions and the current schedule if your belongings exceed this amount. |
| Portable contents | Optional cover; up to $10,000 per item and $10,000 total for portable contents outside Australia and New Zealand. CHOICE reports a $250 excess and category-specific limits. |
| Contents in the open air | Up to 20% of the sum insured, subject to conditions and any separate item limits. |
| Moving between addresses | Up to 14 days’ overlap at both addresses. Moving cover is listed up to the contents sum insured for specified events, with up to $10,000 for accidental damage. |
Optional portable cover and valuables
CHOICE lists optional portable contents categories including clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronics, and sporting or recreational items. Its summary describes portable cover in Australia and New Zealand plus an overall $10,000 limit for the rest of the world. It also reports a $10,000-per-item ceiling and a $250 excess. These limits can apply alongside category caps, so confirm the item, territory, excess and maximum payable on your certificate.
Rank #4
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The $2,500 overall limit CHOICE reports for jewellery, artwork and collections makes it particularly important to check how valuables are treated under the base policy and any specified-item option. Keep evidence of ownership and value, and check whether an item needs to be listed individually.
Exclusions, occupancy and claims
Other exclusions and conditions to check
- CHOICE says theft by the insured, family members, residents or someone who entered with their consent is excluded.
- Its summary says QBANK must be told if the home will be unoccupied for more than 60 days. Listed conditions include maintaining the garden, stopping regular mail or newspaper deliveries, and arranging weekly inspections. Confirm the exact notification threshold and safeguards in the current wording.
- For an incident involving water, read the escape-of-liquid conditions carefully: the failed item and the cost of locating a leak without resulting damage are not treated the same as damage caused by escaped liquid.
How claims may be settled
CHOICE says claims may be settled by repair, replacement or payment of replacement value, up to the sum insured or other applicable limits. It lists online and 24/7 phone access for out-of-hours claims. The policy wording and claims assessment determine the settlement method and evidence required.
Best Value
- 5-in-1 Connectivity: Equipped with a 4K HDMI port, a 5 Gbps USB-C data port, two 5 Gbps USB-A ports, and a USB C 100W PD-IN port. Note: The USB C 100W PD-IN port supports only charging and does not support data transfer devices such as headphones or speakers.
- Powerful Pass-Through Charging: Supports up to 85W pass-through charging so you can power up your laptop while you use the hub. Note: Pass-through charging requires a charger (not included). Note: To achieve full power for iPad, we recommend using a 45W wall charger.
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- What You Get: Anker 332 USB-C Hub (5-in-1), welcome guide, our worry-free 18-month warranty, and friendly customer service.
How to assess whether it fits your strata unit
- Map your responsibilities. Read the owners corporation’s insurance information and establish which fixtures and belongings are yours to insure.
- Estimate replacement cost. Set the contents sum insured using the cost to replace your belongings, then check whether valuables, outdoor items and temporary accommodation have separate limits.
- Check the events and definitions. Confirm how the current wording defines flood, runoff, storm surge, action of the sea and escaping liquid, and note when waiting periods begin and end.
- Decide whether portable cover is needed. Identify items taken outside the unit, then compare the category caps, per-item limit, territory and excess with what you own.
- Get a current quote and inspect the documents. Compare premium and excess at the same cover level, and check endorsements, unoccupancy conditions and claim terms on the quote, schedule and PDS.
Price and review information available
CHOICE says the insurer did not provide price data for this product, so its visible entry does not establish a premium or support a price comparison. The page also keeps its detailed rating and score information behind membership. No overall score, recommendation or value judgement can be inferred from the publicly visible information. QBANK’s official page describes the option this way: “For premium contents cover, choose Contents Plus when you’re getting a quote.” That is QBANK’s marketing wording, not an independent assessment. See QBANK’s Home Insurance page for its description and PDS direction; obtain an individual current quote to see your premium and applicable excesses.
Quick Recap
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
