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QBANK’s Home Buildings and Contents Plus policy is offered under the CGU brand, with Insurance Australia Limited identified as the insurer. Plus advertises extra building protection and additional contents features, but the public product page does not establish your premium or the detailed limits and exclusions in the current policy wording. Treat its event list as a starting point, then check the terms and figures on your own quote and Certificate of Insurance.
Who provides QBANK home insurance?
QBANK says QPCU Limited, trading as QBANK, offers the policy under an agreement with Insurance Australia Limited under the CGU brand. CHOICE identifies Insurance Australia Limited as the provider and describes the policy as a white-label IAG product. CHOICE also says the cover is identical to policies sold under 17 other brands in its comparison, although prices may differ. That does not establish that a QBANK quote will be cheaper or more expensive than another offer.
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This is sum-insured cover: you nominate separate sums for buildings and contents. QBANK’s online calculator is only a guide, and QBANK says, “It’s your responsibility to ensure your home is insured for its full replacement value.” If the insured amount exceeds the actual cost to repair or replace the home, QBANK says payment is limited to that actual cost.
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Building Plus
QBANK advertises a 25% safety net above the building sum insured when the home needs rebuilding or repair, two years of temporary accommodation rather than 12 months under Standard, and higher limits for some inclusions. The safety net applies to building cover, not contents. Its eligibility rules and conditions need to be confirmed in the current Product Disclosure Statement (PDS) and your Certificate of Insurance.
#1 Best Overall
- 【Family File Organization System】The set includes: one black PU leather 3-ring binder (9.6x12.2 inches, with 1-inch diameter rings), 11 pre-printed record pages, and one clear file folder (9.25x11.4 inches). The binder cover features heat-stamped gold foil lettering that reads “the homeowner's book of records”. Inside, it is equipped with 2 storage pockets, 1 clear card slot, and 1 pen loop – making it the perfect choice for organizing all your home-related documents.
- 【Covers 15 Detailed Record Categories】These pre-punched pages cover over 15 important management sections, including: Property Purchase, Mortgage & Tax, Insurance, Home Warranty, Utilities, Interior Decor, Furnishings, Landscape & Pool, Appliances, Electronics, Home Improvements, Maintenance Log, HOA, Emergency Contacts, and Annual Maintenance Checklist. It helps homeowners effortlessly organize and archive every important detail.
- 【Excellent Quality & Durability】The binder is crafted from high-quality black PU leather, offering a stylish and professional look with a sturdy, long-lasting structure. The 8.5x11-inch inner pages are made of 80g wood-free paper, sufficient for long-term preservation. The included clear file folder provides extra protection for various loose documents and receipts.
- 【The Perfect Real Estate Agent Closing Gift】This versatile and practical record book is an ideal real estate agent closing gift for new homeowners. It helps clients neatly organize their home purchase records, home maintenance log book, and key contact information. As one of the most thoughtful closing gifts for home buyers, it leaves a lasting positive impression and encourages client referrals – making it a great addition to your realtor supplies.
- 【Wide Range of Applications】Perfect for new homeowners to organize purchase documents, tax records, insurance papers, and maintenance logs. For real estate agents, it's a heartfelt closing gift. Also great for property managers, landlords, and home contractors to manage documents, receipts, contracts, and contacts. Whether you need real estate agent supplies, a home binder, a home management binder, real estate gifts, or a home organizer binder, this product is the ideal choice.
Contents Plus
QBANK’s comparison table marks accidental damage at home and electrical motor burnout as automatically included with Contents Plus; they are optional under Standard. Contents Plus also lists benefits such as food spoilage, identity theft, contents in storage, contents in transit and temporary accommodation. QBANK says some Plus benefits have higher limits, but the detailed current limits and conditions are not established by the accessible product information.
What events does QBANK list as covered?
QBANK’s comparison table lists the following event categories across Plus and Standard:
Rank #2
- Keep Home Papers in One Binder: this home management binder size is 11.42 x 10.63 x 2.17 inches/ 29 x 27 x 5.5 cm, keeps household documents in one central place; Use the document organizer to store receipts, warranties, and maintenance logs; The home record organizer binder includes 13 labeled envelopes for mortgage, taxes, insurance, utilities, furniture, landscaping, appliances, electronics, home renovation, and one blank envelope
- Durable Cover for Long Term Use: there is only one pocket on the left side of the inside cover; This home record organizer binder features a sturdy cover and durable construction; The double sided home list helps protect your important paperwork; This household document organizer resists everyday wear, offering a long lasting solution for tracking home repairs, appliance purchases, and service records year after year
- Home List Included Inside: a complete home list is included inside this homeowner binder; Record details of your belongings for insurance or personal reference; The client record book section helps you log item descriptions, purchase dates, and estimated values; This home maintenance logbook makes it easy to track what you own and when items need service or replacement
- Easy to Find Repair and Service Records: stop searching through drawers for old receipts; This home record organizer binder groups home improvement and repair paperwork in one place; The home maintenance logbook includes labeled sections for HVAC, plumbing, electrical work, and general repairs; Quickly locate info or service dates when you need to call a technician or file a claim
- Real Estate Agent Closing Gift: this real estate agent closing gift helps your clients stay organized after moving in; Give document organizer as a thoughtful housewarming present; Your contact information stays visible inside, making it easy for clients to share with friends and family; A practical gift that encourages referrals and keeps you connected with past clients
- Fire
- Flood or rainwater run-off
- Storm
- Storm surge or tsunami
- Theft or attempted theft
- Earthquake
- Escape of water or liquid
- Impact
- Lightning
These are categories, not a guarantee that every loss involving an event is covered. Definitions, exclusions, limits and excesses in the policy wording control. QBANK specifically says CGU does not cover actions of the sea, such as tides and waves.
CHOICE’s public entry flags restrictions involving theft, fire and flood, a 72-hour waiting period for bushfire and grassfire, and limitations concerning earth movement and certain property. Treat these as items to check against the current QBANK wording, not as a complete exclusions list.
Rank #3
- The 2024 ERG guide helps satisfy 49 CFR 172.602 DOT requirement. This requirement states that hazmat shipments be accompanied by emergency response info.
- Pocketbook aids in emergency preparedness, planning, and training with ERGs numerically indexed and color-coded to help emergency responders find vital information fast.
- 2024 Updates: The Pipeline and Hazardous Materials Safety Administration (PHMSA) released a comprehensive summary of updates. Most significantly a QR code on the back cover that provides access to critical incident reporting information.
- Other changes for 2024 have been made to continue to provide the most accurate emergency response information to help all front-line persons and all first responders stay safe during transportation emergencies.
- Specifications: 4" x 5 1/2" Pocketbook Size, English, Spiralbound. Copyright 2024.
What optional cover can you add?
Portable contents
QBANK says portable cover can apply to items such as laptops, jewellery, glasses and phones taken outside the home. It states a limit of $10,000 per item unless that item is separately listed for more. QBANK also flags limits for items outside Australia or New Zealand; exclusions for scratches and dents and for items being cleaned or repaired; and exclusions for certain sports or other equipment while in use. Check the PDS for the precise conditions and whether the items you rely on are eligible.
Valuable contents
QBANK lists valuable contents as an optional benefit for Contents Plus. The accessible product information does not establish its detailed limits or eligibility rules, so check the current PDS and confirm any listed items and insured amounts on your Certificate of Insurance.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.How much does QBANK home insurance cost?
No exact premium or quote comparison is established by the available public information. CHOICE says its detailed scores and state-by-state price comparisons are available to members, and it has no expert rating for this policy. Your quote is the relevant figure for your property and selected cover; compare it with competing quotes on the same basis rather than inferring value from the feature list.
Is the 25% safety net enough?
It is an added buffer on the building sum insured, not a substitute for setting that sum against the full cost of rebuilding. QBANK’s calculator disclaimer makes that distinction important: a guide can help estimate a figure, but you remain responsible for choosing adequate cover. The public information does not establish the safety net’s full eligibility conditions, so check the current PDS and how it appears in your Certificate of Insurance.
Best Value
- Double Sided Household Inventory Contents Sheet
What to verify before relying on the cover
QBANK links to a PDS and a Premium, Excess and Discounts Guide, but those documents’ current editions and detailed terms could not be confirmed here. Do not assume figures or terms from another insurer’s booklet apply to this QBANK policy. Before deciding, check the documents supplied with your quote and confirm:
- Building and contents sums insured, and whether the building figure reflects full rebuild cost.
- The actual excesses that apply to your property and each relevant event.
- Definitions and restrictions for flood, storm surge and other perils relevant to your location.
- Temporary accommodation limits, periods and conditions.
- Sub-limits and eligibility for food spoilage, identity theft, storage, transit and portable items.
- Waiting periods, exclusions, discounts and any eligibility requirements.
- That optional portable or valuable contents cover—and any separately listed items—appears on your Certificate of Insurance.
How to compare a quote
Compare QBANK with other policies using the same building and contents sums insured, relevant optional cover and assumptions about excesses. Then compare the actual quote price alongside the wording for the events and benefits that matter to your property. Without property-specific pricing and the full current terms, the advertised Plus features alone cannot establish whether this policy is good value for you.
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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