Home and Contents Insurance
It's cover with smart solutions that aim to prevent accidents before they happen.{sub-heading}
BOQ Home & Contents Insurance{yellow-border}
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 property data from a range of sources 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.
Why choose BOQ Home & Contents Insurance
Protecting all your 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 6% discount on your premium* when you use your smart sensors. It's insurance that rewards smart customers everyday.
Get a quote in as little as 3 minutes
BOQ Insurance uses technology to identify info about your home, such as construction year and building materials. It’s flexible, so you can add extra cover and protect the items that you value.
What you're covered for{yellow-border}
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.
Natural disaster damage
If your home is damaged by a severe weather event (such as flood, fire, storm), we can help cover the cost of reconstruction and, if you have contents cover, replace your eligible contents.
Home office
Cover for eligible loss or damage to your home office equipment up to $20,000.
Water damage
If your home and contents are damaged by water (e.g. due to a pipe bursting), there’s cover for the repair costs.
Theft or vandalism
Cover for the cost of replacing eligible stolen or vandalised contents with new ones.
Rebuilding your home
On top of your agreed sum insured, there’s cover for the costs of demolition and design fees.
New for old
Cover for the cost of replacing eligible contents lost or damaged in an insured event with new ones.
Temporary accommodation
If your home is unfit to live in after an insured event, we can cover the cost of alternative accommodation for up to 12 months (up to 10% of your home sum insured).
Liability & legal protection
If someone is injured or their property is damaged while visiting your home and you’re found legally liable, we can help cover the compensation and associated legal costs approved by us (up to $20 million).
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 6%
Discount on your premium* for every year you use the sensors
What are 'smart home sensors'?{yellow-border}
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 6%* 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 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
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- Important points of entry such as doors, windows and cabinets
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- Places prone to temperature changes such as bathrooms and kitchens
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- Next to your smoke alarms so they will notify you if they're going off
- Only tracks if sensors are active
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- iOS 14.1, Android 5.1 and higher
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- Wifi enabled & wireless
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- Self-install in minutes
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- Pet & child friendly
Making a claim{yellow-border}
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.
Have a policy that starts before 1 Oct 2026?{yellow-border}
If you have a policy with a start or renewal date before 1 Oct 2026, you can view important documents about your policy here.