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What this policy is—and what this review can establish
The exact product reviewed by CHOICE is QBANK Home Contents Plus (strata owners), a sum-insured policy: the owner selects a contents sum insured, subject to the contract’s definitions, limits and exclusions. 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 and policy documents; the available information does not establish the current governing QBANK/CGU-linked wording.
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CHOICE’s visible product entry reports cover features, but its publication date is not shown. It says price data was not shared and reserves its displayed rating and detailed scores for members. As a result, the available information supports a summary of listed benefits—not an overall score, a value-for-money verdict or a current premium comparison.
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What the listed cover includes
CHOICE 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 review 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; that exclusion should not be treated as interchangeable with the separately listed storm-surge cover. The contract’s definitions and conditions determine whether a particular incident is covered.
#1 Best Overall
- 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.
- Convert USB-A Ports to USB-C: Designed to connect USB-C earphones, cables, flash drives, card readers, and other USB-C accessories to standard USB-A ports. Plug-and-play with no drivers or software required.
- Aluminum Alloy Housing: Built with a sturdy aluminum alloy shell that aids in heat dissipation and protects against daily wear and scratches. Designed to maintain a stable and secure connection.
- Compact & Travel-Friendly: The ultra-compact design allows the adapter to stay plugged into your device without blocking adjacent ports or adding bulk, reducing wear and tear on your original USB ports.
- 12-Month Warranty: Backed by a 12-month manufacturer warranty for peace of mind. Designed to meet strict quality control standards for reliable everyday performance.
Accidental damage
Accidental damage is listed as included in the Plus policy. CHOICE’s summary also lists exclusions for electronic or mechanical malfunction, virus or processing error, certain equipment while in use, water entering through an opening made during renovations, animals kept at the site and chemical cleaning. Check the current PDS for the precise definitions and exceptions.
Escaping liquid and theft conditions
The review lists cover for escaping liquid from certain pipes, appliances, baths, sinks, toilets, water tanks and pools. It also lists exclusions for shower recesses or bases, the item that caused the leak, the item the liquid escaped from, and the cost of locating or fixing a leak that caused no damage. CHOICE’s summary excludes theft by the insured, family members, residents, or someone who entered with their consent.
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.
How strata fixtures affect the contents decision
For a unit owner, the key question is not simply whether an item is physically inside the lot; it is whether the owners corporation or the lot owner is responsible for insuring it. CHOICE lists 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 as permanent fixtures that may fall within the contents cover. It also says common property and items insured by the owners corporation are excluded.
QBANK’s public home-insurance page says contents insurance may cover fixtures the body corporate is not required by law to insure, subject to the applicable terms, limits and exclusions. These summaries do not determine responsibility for a particular building or lot. Read the strata policy and ask the owners corporation or strata manager which items its policy insures before setting your sum insured; avoid paying to insure the same property twice or leaving a gap in cover.
Rank #3
- Sleek 7-in-1 USB-C Hub: Features an HDMI port, two USB-A 3.0 ports, and a USB-C data port, each providing 5Gbps transfer speeds. It also includes a USB-C PD input port for charging up to 100W and dual SD and TF card slots, all in a compact design.
- 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.)
- Double Up on Efficiency: The two USB-A 3.0 ports and a USB-C port support a fast 5Gbps data rate, significantly boosting your transfer speeds and improving productivity.
- 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.
Reported limits and additional benefits
The amounts below are limits reported by CHOICE on a page checked in 2026; the page’s publication date is not displayed. They are policy limits or sub-limits, not independent claim outcomes, and may not match a current quote or schedule.
| Benefit | CHOICE-reported limit or condition |
|---|---|
| Legal liability | Up to $20 million for named policyholders and resident family members for incidents in Australia. |
| Temporary accommodation | Up to 24 months or 20% of the sum insured, paid on top of the sum insured; the entry says this 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 claims. CHOICE says no excess applies when the claim relates only to spoilage; damage to refrigerators and freezers is excluded. |
| Jewellery, artworks and collections | $2,500 overall. Check the current schedule and any specified-item provisions if your belongings exceed this limit. |
| Portable contents | Optional cover, with a reported limit of up to $10,000 per item and a $10,000 overall limit for portable contents outside Australia and New Zealand. CHOICE reports a $250 excess and limits by item group. |
| Contents in the open air | Up to 20% of the sum insured, subject to detailed conditions and any separate item limits. |
| Moving between addresses | Up to 14 days of overlap at both addresses. The entry lists cover up to the contents sum insured for specified events and up to $10,000 for accidental damage. |
Portable cover is reported for Australia and New Zealand, with the separate rest-of-world aggregate shown above. The review lists optional portable categories including clothing and luggage, jewellery and watches, medical items, mobility scooters, portable electronics, and sporting or recreational items. Check the selected categories, territory, item caps and excess on the certificate rather than assuming every item is covered everywhere.
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
- Please Note: To reach 10Gbps speed, keep the cable under 3.3 ft. For USB A Male to USB C adapters, try flipping the USB C connector. USB C Male to USB A adapters support bidirectional 10Gbps transfer within 3.3 ft
Unoccupancy, claims and settlement
CHOICE says the insurer must be notified if the home will be unoccupied for more than 60 days. Its summary lists conditions such as maintaining the garden, stopping regular mail or newspaper deliveries and arranging weekly inspections. Confirm the applicable threshold and safeguards in the current contract before leaving the property vacant.
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The review says claims may be settled by repair, replacement or payment of replacement value, subject to the sum insured and other limits. It lists online and 24/7 phone options for out-of-hours claims. The available summary does not establish the evidence needed for a particular claim or how the insurer will settle a specific loss; those details depend on the policy and circumstances.
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.
What to check before getting a quote
- Map the strata responsibilities. Use the owners corporation’s policy and lot-specific information to identify which fixtures and belongings you need to insure yourself.
- Set a realistic contents sum insured. Estimate the cost of replacing your belongings, then check whether valuables, outdoor items and temporary accommodation have separate limits that could affect your protection.
- Review event definitions and waiting periods. Pay particular attention to flood versus runoff, storm surge versus action of the sea, escaping water and the listed waiting periods.
- Check excesses and optional cover. The visible CHOICE entry reports a $250 excess for portable contents, but the current quote and certificate are needed to confirm the applicable excesses and selected options.
- Ask about the circumstances that matter to you. Confirm how the policy treats high-value belongings, accidental damage, time away from the home and any planned renovation.
- Compare like with like. Get a current individual quote and compare its premium, excesses, limits and wording against alternatives offering the same level of cover.
Is the available information enough to judge value?
No. CHOICE says price data was not provided for its entry, and the displayed rating and detailed scores are member-only. The exact current QBANK-linked PDS and excess schedule are not established in the available material, so neither a premium nor a full contract comparison can be confirmed here. QBANK’s page describes Contents Plus as “premium contents cover”; that is the provider’s marketing description, not an independent assessment.
Do not substitute a direct QBE contents policy for QBANK’s contract. QBE publishes separate documents for its QM8698 product, including a PDS identified as applying to policies commencing or renewing from 11 November 2024 and a TMD effective from 18 August 2026. Those documents are contextual information about a different product, not evidence of QBANK Home Contents Plus terms.
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.
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