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QBE Contents Insurance is for belongings in your strata home—not the building itself. For an owner-occupier, the key question is whether the policy covers the contents and any fixtures you are responsible for, and whether its limits and optional cover fit your needs. Check your strata documents and local rules before deciding what to insure.
What QBE Contents Insurance covers—and what it does not
QBE describes its policy as cover for personal belongings and, in some cases, fixtures. It is not home or building insurance. The policy lists insured events including fire, flood, theft, water damage, storm, earthquake, tsunami and vandalism; cover remains subject to the applicable Product Disclosure Statement (PDS), limits and exclusions.
QBE advertises legal liability cover up to $30 million. That is a policy limit, not blanket protection for every kind of liability; the PDS terms and exclusions apply. The product page also says the policy does not cover wear and tear, gradual deterioration or maintenance costs. Other conditions and exclusions address matters such as reasonable care, the condition of the home and business activity, so read the PDS rather than relying on a short summary.
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1Clear out junk files and repair common Windows errors2Fix the driver behind crashes, sound loss and screen glitches3Repair Windows errors before they cause bigger problemsAre carpets, blinds and other fixtures covered?
QBE says carpets, blinds and fixtures may be covered when the body corporate is not legally required to insure them. Which party is responsible can depend on local strata law and the scheme’s documents; do not assume the allocation is the same in every Australian state or territory.
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- Read Before You Buy — No Video Output: These adapters support charging and USB 2.0 data transfer, but cannot transmit video signals. Except for standard USB webcams (which use USB data only), they are not compatible with HDMI/DisplayPort cables, video-capable USB-C hubs, or docking stations with video output.
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In NSW, government guidance says personal contents are not the owners corporation’s responsibility and can remain uninsured by the scheme even when damage starts in common property. That guidance is NSW-specific, not a universal rule. Check your own scheme’s insurance and maintenance obligations, and count any fixtures you are responsible for when setting the contents sum insured.
How much contents insurance do you need?
QBE’s PDS says to set the contents sum insured at the cost of replacing all covered contents at today’s prices. Include belongings throughout the home and any eligible fixtures you must insure. An inventory can help you work through rooms and estimate replacement costs; keep receipts, serial numbers and valuations where useful.
Rank #2
- 5-in-1 USB-C Hub: Experience comprehensive connectivity featuring a Power Delivery input, two USB-A 2.0 ports, a USB-A 3.0 port, and an HDMI port. (Note: The USB-C power delivery input port is only for connecting an external wall charger to power your laptop and cannot power peripheral devices.)
- 90W Pass-Through Charging: Achieve optimal charging with 90W pass-through power to your laptop, supported by a total input of 100W, with the hub reserving 10W for operational efficiency. (Note: Wall charger not included.)
- Quick Data Transfers: Accelerate your productivity with rapid data transfers using a high-speed 5Gbps USB 3.0 port and two 480Mbps USB 2.0 ports.
- 4K HDMI Display: Enhance your visual experience with a hub capable of delivering 4K resolution at 30Hz in both mirror and extend modes. Please note that this hub is compatible with MacBook (macOS 12 and newer), Windows 10 and 11, ChromeOS, and laptops equipped with DP Alt Mode and Power Delivery. Note: This device is not compatible with Linux.
- What You Get: Anker USB-C Hub (5-in-1, 4K HDMI), welcome guide, 18-month warranty, and our friendly customer service.
Standard category limits can leave high-value belongings underinsured. Under QBE Insurance (Australia) Limited’s Contents Insurance PDS QM8698-1124, prepared 4 July 2024, the stated limits are:
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| Category | Standard limit |
|---|---|
| Jewellery and watches | $2,500 per item, set or pair |
| Collections | $5,000 per collection |
| Artworks, rugs and antiques | $20,000 per item, set or pair |
QBE may agree to increase an applicable limit if you declare an item and it is specified on your Certificate of Insurance. Check the PDS version that applies to your policy and the certificate for your actual cover and limits before relying on these figures.
Rank #3
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- Flawless 4K@60Hz Video with HDMI: Delivers exceptional clarity and smoothness with its 4K@60Hz HDMI port, making it ideal for high-definition presentations and entertainment. (Note: Only the HDMI port supports video projection; the USB-C port is for data transfer only.)
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- Fast and Reliable 85W Charging: Offers high-capacity, speedy charging for laptops up to 85W, so you spend less time tethered to an outlet and more time being productive.
- What You Get: Anker USB-C Hub (7-in-1), welcome guide, 18-month warranty, and our friendly customer service.
What optional cover is available?
Accidental damage
Accidental damage is optional and costs extra. Consider whether you want cover for accidental events beyond the policy’s listed insured events, then check the PDS for the precise definition, exclusions and limits.
Portable contents
Optional portable contents cover can extend protection away from home. QBE’s product page describes cover in Australia and New Zealand and worldwide for up to 90 consecutive days. Terms, selected items and limits apply, so verify the policy wording rather than treating this as automatic cover for every item or trip.
Rank #4
- Dual Converters, Infinite Potential：Includes 2× USB C male to USB A female adapters and 2× USB A male to USB C female adapters. Perfect for a wide range of uses—tablets with Bluetooth keyboards, expand USB ports on macbook, and more. Two different converters for all your daily needs
- Next-Level 10Gbps & 3A Charging: No more slow 480Mbps, this usb to usb c adapter has a transfer speed of up to 10Gbps, allowing you to do more transferring in less time. This usb adapter fits both USB A and USB C charger, supporting up to 3A fast charging
- Upgraded Exquisite Craftsmanship: With an aluminum alloy housing and metal connector, the usbc to usb adapter is extremely durable and sturdy. Rigorously tested to withstand more than 10,000 times of plugging and unplugging, ensuring long-lasting performance
- Broad Compatible: The usb c to usb adapter widely supports all USB C/ USB A devices like laptops, tablets, cellphones, car chargers, and phone chargers. Such as compatible with MacBook Pro/Air 2023/2022, Thunderbolt 4/3 Devices,Apple MagSafe Watch 9/8/7/SE/Ultra, iPad Pro 2022/2021, Samsung Galaxy S23/S20/S10, and iPhone 17/16/15 Pro. Plug and play
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Moving home and temporary cover
QBE says contents may be covered at both the old and new address for up to 60 days when moving within Australia. It also describes cover for contents in transit in a motor vehicle to a new permanent residence or temporary storage facility before the move is complete. These situations are subject to PDS conditions; do not assume every journey, storage arrangement or move qualifies.
What affects the premium and excess?
There is no single standard premium established for this policy. QBE’s Additional Information Guide says pricing can depend on factors including the selected excess, payment frequency, claims history, sums insured, location and property details, optional cover, and other rating and underwriting factors. Your quote and Certificate of Insurance show the applicable price and terms.
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.
- Transfer Files in Seconds: Move files to and from your laptop at speeds of up to 5 Gbps via the USB-C and USB-A data ports. Note: The USB C 5Gbps Data port does not support video output.
- HD Display: Connect to the HDMI port to stream or mirror content to an external monitor in resolutions of up to 4K@30Hz. Note: The USB-C ports do not support video output.
- What You Get: Anker 332 USB-C Hub (5-in-1), welcome guide, our worry-free 18-month warranty, and friendly customer service.
QBE says choosing a higher basic excess or paying annually may reduce the premium. A higher excess also means paying more yourself if you claim, so choose an amount you could afford at claim time. Compare quotes on the same cover basis, including sums insured, options, payment frequency and excess; a lower premium alone does not show which policy is better value.
What to check before choosing QBE
Compare policies using the same practical questions, and confirm the other insurer’s policy version and geographic rules rather than assuming they match QBE.
- Which fixtures are your responsibility under the scheme documents and local law?
- Which events are insured, and what exclusions or conditions apply?
- What are the standard limits for valuables, and can specified items have higher limits?
- Is accidental damage or away-from-home cover optional, and what does it cost?
- What liability limit applies, and what exclusions qualify it?
- How are contents valued for replacement, and is your sum insured adequate?
- What excess applies, and what moving or transit cover is available?
- What records are needed for a claim, and how does the policy describe settlement?
- What is the quote for your chosen payment frequency and cover?
Documents and claims to check
QBE lists PDS QM8698-1124 for policies commencing or renewing on or after 11 November 2024; that PDS was prepared on 4 July 2024. QBE also lists an Additional Information Guide effective 17 February 2025 and a Target Market Determination effective 18 August 2026. Use the documents that match your policy’s start or renewal date. Your Certificate of Insurance is the place to check your insured people, property, selected cover and limits.
The PDS sets out proof-of-ownership and claim-settlement processes. Keep an inventory and supporting records such as receipts, serial numbers and valuations where practical. Follow the policy’s requirements for notifying QBE about relevant changes, including extended unoccupancy or fixture work where required.
QBE’s PDS states: “This PDS does not consider your objectives, financial situation or needs.” Read the applicable policy documents and decide whether the cover suits your circumstances.
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.
