Home Insurance

Safeguarding your home and possessions

We all have our valued possessions, along with many more we take for granted. While some are irreplaceable, there are a surprising number we would need to replace, should the worst happen. From kitchen appliances to the kitchen sink and house itself, it all adds up.

What if a major catastrophe – like fire, lightning, storm damage or falling trees – hit your home? How would you afford to replace the clothes, furniture, books and other items lost in a fire? What would be the real cost of rebuilding or repairing your home to the quality and size it is now?

And what of those essentials of daily life we take out and about – music players, mobile phones, digital cameras and sunglasses? Small, portable, easy to lose, and appealing to thieves. Costly to replace and frustrating to do without.

Home Cover is South West Credit’s building, contents and valuables insurance solution that can protect any or all of these scenarios.

Strata Home Contents cover is specifically designed for owners and occupiers of strata properties and works hand in hand with strata title insurance organised by the body corporate. It's designed to protect the belongings and fixtures inside your strata.

Home Cover and Strata Home Contents both provide peace of mind that, if, through specific events, your property is damaged, destroyed, lost, 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.

Competitive, convenient cover backed by QBE

Home Cover is one of a comprehensive range of insurance solutions South West Credit 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 insurance provider.

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

Core Cover

Home Cover core defined events:

A range of ways to save

With South West Credit there are various ways to enjoy discounts on your premium.

Joint building and contents discount
Insure both your building and contents with South West Credit and you can receive a discount on both policies.

Security discounts
The more secure your property is – through standard door locks and deadlocks, window locks, and either local or monitored alarms – the less you may have to pay.

Household no claim bonus
If you've been claim free for a period of 3 years and upwards, you may qualify for a no claim bonus. A no claim bonus discount increases each year you remain claim free until you reach the maximum.

A choice of Excess
Your excess is the initial amount you have to pay yourself if you make a claim, and we offer options of nil excess, $100, $300 and $500. The higher the excess you choose, the lower the premium you’ll pay.

Over 50s Discount
If you’re a little older, your premium will reflect the lower-risk nature of your demographic.

Easy to arrange, simple to claim

The convenience of having your Insurance under the same roof as your financial services isn’t the only way we make life easier. From making your application to making a claim, South West Credit ensures things are as straightforward as possible.

You can apply online, by phone, or at our branch. Flexible payment options include fortnightly, monthly or annual direct debit, BPAY, cheque or credit card payments (excluding American Express).

If you do need to make a claim, we won’t make you wade through paperwork. QBE have a 24-hour emergency claims number, and in most cases, you need just provide details over the phone.

Take a look at the benefits of our QBE Home Insurance

Benefits Cover New for old replacement on most items Legal Liability $30 million Burning out of electrical motors (fusion) Accommodation Costs * Spoiled food from power failure Essential temporary repairs Loss of credit cards Cost of replacing locks if your house keys are stolen Accidental damage to your building Optional extra Accidental loss or damage to your contents Optional extra Domestic workers compensation Optional extra # *Should you be unable to live in the home as a results of damage caused by a defined event #Available in ACT, TAS & WA only for an additional cost

Disclosure Statement

• QBE Home Insurance Disclosure Statement PDS

How much should you insure for?

Use QBE's Sum Insured Calculator to work out what amount of cover is right for you

Get a quote now

Use the QBE online quoting form

Product Factsheet

Request a product factsheet 

Questions

If you have any questions

_{Terms, conditions and acceptance criteria apply. Cover limits apply as set out in the policy wording. This material does not take into account your personal needs, objectives and financial circumstances and you should consider whether it is appropriate for you. Please read the Product Disclosure Statement to decide if a product is right for you}

_{Insurance issued by QBE Insurance (Australia) Limited ABN 78 003 191 035 AFS Licence 239545}