Explore Home & Contents Insurance

BOQ home and contents insurance at a glance

  • Cover with smart home sensors to help protect you from avoidable events
  • Get a quote done within minutes
  • Underwritten by RACQ Insurance (RACQ)

About BOQ Insurance

Bank of Queensland (BOQ), one of Australia’s longest-serving banks, offers the option to use smart home technology to help prevent avoidable accidents in the home. Customers who install the complimentary sensor kit in their home can expect a reduction in their premiums; refer to the Product Disclosure Statement (PDS) for full terms and conditions.

What BOQ home and contents insurance covers

BOQ offers home, contents and combined home and contents policies that cover a range of events, including:

Insured eventHome InsuranceContents Insurance
Vandalism
Theft
Riots
Explosion
Fire
Flood
Movement of the seaXX
Erosion and landslideXX
Impact
Leaks
Storm
Storm surge
Earthquake
Tsunami
Animal damage
Damage caused by petsXX
Damage from verminXX
Damage caused by roots and treesXX
Terrorism or warXX
Rust and mouldXX

Always read the PDS when considering a new policy as this will outline exactly what you’re covered for, including all limits and exclusions of your insurance policy.

Why choose BOQ home and contents insurance?

There could be a number of reasons why choosing BOQ home and contents insurance is the preferred option for you. These include a quick and easy quote process and complimentary smart home sensors that can be installed to help protect your home and the valuable contents within it.

Frequently asked questions

How can I pay for my BOQ home and contents insurance and is it cheaper to pay my premium annually?

You can choose to pay your premium for the entire year upfront via direct debit or credit card.

Monthly instalments are also available and don’t cost any extra. You may also nominate the day of the month the payment can be deducted and this can be done automatically from a credit card or account with a bank, credit union or building society.

Keep in mind, you may incur additional fees or loss of cover if your payments are late.

What contents does BOQ cover?

BOQ’s contents insurance policy covers a range of items including:

  • Furniture such as tables, chairs, beds and lounges
  • White goods (e.g. refrigerators, freezers washing machines and dryers)
  • Internal carpets (fixed and unfixed), blinds and curtains
  • Bathroom and bedroom linen
  • Unfixed light fittings
  • Entertainment equipment (e.g. television sets, CD/DVD players)
  • Computers (e.g. laptops, desktop computers, tablets and accessories)
  • Mobile phones, cameras and accessories
  • Portable music systems
  • Musical instruments
  • Clothing, bags, wallets and shoes
  • Entertainment media and games (e.g. CDs, DVDs, LPs, game console discs).

Always check your PDS for a full list of limits, inclusions and exclusions.

Does BOQ home and contents insurance cover flood damage?

Yes. BOQ will cover loss or damage to your home or its contents caused by flooding or water runoff. Much like cover for any insured event, the limitations will be up to the sum insured.

Is storm and natural disaster damage covered by BOQ home and contents insurance?

Yes. Loss or damage to your home or contents caused by a storm, cyclone or any insured weather event is covered, up to the value of the sum insured as outlined in your Certificate of Insurance.

Does BOQ home insurance cover tenanted properties?

Under a smart home insurance policy tailored for landlords, BOQ Insurance can help protect your investment property and legal liability cover will be extended to the tenanted properties you own.

How do I make a home and contents insurance claim with BOQ Insurance?

You can lodge a claim with BOQ Insurance 24 hours a day, either using the dedicated claims telephone service, lodging your claim online or via email.

What is the excess on BOQ home and contents insurance?

Your basic excess will be included in your Certificate of Insurance. If there’s more than one excess applied to any claim, such as an earthquake excess or unoccupied home excess, BOQ Insurance will inform you. They’ll also tell you when and how to pay any applicable excesses.

How do I cancel my BOQ home and contents insurance?

You can cancel your policy at any time. If you wish to cancel your home and/or contents cover, you may need to call BOQ Insurance or instruct them in writing. If you cancel after the cooling-off period, a portion of your annual payment may be reimbursed – related to the remaining period of your contract and minus any cancellation fees or government charges (e.g. taxes, levies or duties) that apply.

Compare home and contents insurance today

You can compare BOQ Insurance’s home and contents insurance with policies from other Australian insurance providers. Let our free comparison service save you the time and effort to weigh up cover, prices, exclusions and more in just minutes.

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Disclaimer

Exclusions, Limits and Terms & Conditions apply. This is general advice only. See BOQ’s Product Disclosure Statement and Target Market Determination for full details prior to making any decision. (Distributed by BOQ AFSL 244616 as agent for Honey Insurance AFSL 528244. Issued and underwritten by RACQ AFSL 233082)

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