BOQ Home & Contents Insurance

BOQ Insurance offers smart Home and Contents Insurance to help you protect one of your most valuable assets. We’re investing in making your home a safer space all year round, with smart solutions that help keep you protected from avoidable accidents.

The quick and clever sign-up process uses satellite data to identify features about your home. Your home insurance quote is then auto-populated with this information, which means it can take as little as 3 minutes to complete.

home contents insurance purchase policy

Why choose BOQ Home & Contents Insurance


Protecting the essentials

You’ll have cover for your home against insured events such as, damage from storm, flood, fire or explosion, theft or leaks, earthquake and more. Plus, replacement cover for your eligible household and personal items.


Smart sensors to help prevent avoidable accidents

Opt in to receive smart home sensors* (worth $250) that can alert you to avoidable mishaps like fire, water damage and theft.


Discount on your premiums

Get up to 8% discount on your premium* when you use your smart sensors. Its insurance that rewards smart customers everyday.


Get a quote in as little as 3 minutes

BOQ Insurance uses the latest technology to identify info about your home, such as construction year & building materials. It’s flexible, so you can add extra cover & protect the items that you value.

What you're covered for

If you have a home or contents policy, you are covered for loss or damage at the insured address, caused by an insured event during the period of insurance.

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Natural Disaster Damage -
Flood, Fire or Storm

If the worst happens and your home is completely destroyed, you're covered for the cost of reconstruction and replacing the insured items.

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Rebuilding Your Home

Your home is covered up to the agreed sum insured, and you're able to get help with the costs of demolition and design fees.

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Home Office

You're covered for eligible damage to your equipment with up to $20,000 of home office cover.

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New For Old

If you need to replace your eligible contents, you're covered for that item’s value today, not its depreciated value. How good!

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Water Damage

If your home and items are damaged by water, you're covered for the clean up and repair costs.

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Temporary Accommodation

When your home is unliveable and being repaired after an insured event, you're covered for the cost of finding somewhere comfortable to live for up to 12 months or a maximum of 10% of your sum insured.

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Theft or Vandalism

If something of yours gets stolen or vandalised, you're covered for the cost of replacing it with something new.

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Liability & Legal Protection

If someone gets hurt while visiting your home, you might need to help them pay for medical expenses. If you’re sued for liability, you may be covered for the costs of a lawyer.

These are some of the highlights and benefits of cover offered for Home and Contents Insurance. Please refer to the Product Disclosure Statement (PDS) for details on insured events that can impact claims, as well as other exclusions and limitations.

Smart Home Insurance

$ 250 
Worth of complimentary smart sensors for all eligible policies*. Simply choose to include the sensors on your eligible policy and start preventing avoidable accidents today
Up to 8 %
Discount on your premium* for every year you use the sensors

Get a quote in 3 minutes

Log in to your account.

Log in to your account to view your policy details or make a claim.

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What are 'smart home sensors'?

When you sign up for Home and Contents Insurance, you can choose to receive three smart sensors that monitor your home and alert you via a smartphone notification of avoidable household problems such as fire, water damage, and theft. Smarter Homeowners save up to 8%* on their premium.

This is another perk of being a part of the Smart Home Program. Just by being proactive, you’ll be rewarded with a discount on your premium. All you have to do is keep the sensors activated for as long as you’re insured, as set out in the PDS and T&Cs.



Where to place your sensors

  • Places prone to water leaks such as washing machines or kitchen sinks


  • Important points of entry such as doors, windows and cabinets
  • Places prone to temperature changes such as bathrooms and kitchens
  • Next to your smoke alarms so they will notify you if they're going off


  • Only tracks if sensors are active
  • iOS 14.1, Android 5.1 and higher
  • Wifi enabled & wireless
  • Self-install in minutes
  • Pet & child friendly

Making a claim


It can be really tough when things go wrong. So, our claims team is here to make slow, painful claims a thing of the past. For anything straightforward, we work quickly to get you back on track, and for claims that take a little longer - like managing and co-coordinating complex repairs – we’ll always keep you in the loop.

For making a claim

For all common home incidents, lodge your home or contents insurance claim online or call us 24/7/365 on 1300 159 298.

Submit your claim

Looking for emergency help?

If your home is damaged or under threat of damage, call the SES on 132 500.

More information

Important information

For important information on Household Insurance, view the following files.

Product Disclosure Statement (PDS)

This statement contains all the details on a policy including what’s covered and what’s not, terms and conditions, and how Honey manages your claim if something were to happen.

Target Market Determination

This document describes who a product is appropriate for and any conditions around how the product can be distributed to customers.

Key Fact Sheet

This sheet has quick information about a policy, including events Honey cover and some conditions. Read the full PDS before making a decision about your insurance.

Financial Services Guide (FSG)

An FSG is designed to assist you in making an informed decision about the services we offer. 

We can also help with:

Know what your repayments are for peace of mind

Fixed Rate Home Loan

A fixed rate home loan gives you the certainty of knowing exactly what your repayments will be for up to 5 years, while protecting yourself against any potential interest rate rises.

  • Owner occupier and investor options available
  • Great interest rates across our range of terms
  • Repayment options available include Principal and Interest repayments and Interest Only repayments

Our most popular low rate loan, packed with features

Clear Path Variable Home Loan

If you're looking for a fully featured, cheap home loan with a low rate, our Clear Path Variable Rate Home Loan is for you!

  • Owner occupier and investor options available
  • Mortgage offset
  • Unlimited free redraw and flexible repayments