Australia Post Home Insurance Review
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Bonus
Summary
Australia Post home insurance is good if you want higher benefit limits and it’s one of the few to offer a sum insured safeguard.
Pros
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Australia Post’s Home & Contents Insurance policies are cheaper than the national average, according to Finder research.
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Save 10% when you buy a combined home and contents insurance policy from Australia Post. T&Cs apply.
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Australia Post offers up to $30 million cover for legal liability — many other brands offer up to $20 million.
Cons
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There's no cover for guest contents, while some brands offer up to $7,000.
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There's no option to remove flood cover to lower your premium.
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Australia Post's PDS includes some vague wording, including cover to a 'reasonable cost'.
Details
Product details
| Fire, Storm & Theft Damage | |
| Flood | Yes |
| Accidental damage | Optional |
| Escape of Liquid | |
| Temporary Accommodation | 20% of your building sum insured - Up to 24 months |
| Replacement of Locks | Up to $2,500 |
| Electrical Motor Burnout | |
| Impact (including fallen trees) | |
| Jewellery | $2,500 |
| Sum Insured Safeguard |
Congratulations, Australia Post!
Australia Post was a big winner in the 2025 Finder Awards.
- Winner, Best Comprehensive Home and Contents Insurance
- Highly commended, Best Value Home and Contents Insurance
Full list of 2025 home insurance winners
Detailed overview of Australia post Home & Contents Insurance
Feature | Definition | Budget Direct's coverage |
|---|---|---|
Fire, storm & theft damage | Covers loss from fire, storms, or theft. | |
Covers damage from burst pipes or leaks. | ||
Pays for housing if your home becomes unlivable. | 20% of your building sum insured - Up to 24 months | |
Replacement of locks | Covers costs to replace stolen or damaged locks. | Up to $2,500 |
Impact (including fallen trees) | Covers damage from falling objects like trees. | Yes |
Insures loss or damage to valuable jewellery. | $2,500 |
Optional add-ons
- Accidental damage - Provides protection for accidental loss or damage to your insured home and contents.
- Item limit increase - Increase the claimable amount for specific items, such as jewellery artwork or collectables.
How to make a claim
Australia Post home insurance is provided by QBE. You can lodge a claim online, via the QBE website. You'll need your policy number, details of what happened, and information on who was involved. You can also call QBE on 13 70 11.
The process will look like this:
- Prepare your policy number, details of the incident, photos of the damage, proof of ownership like receipts or bank statements, and any repair invoices.
- A dedicated claims officer will guide you through the process, which may include appointing a QBE Preferred Loss Adjuster to assess the damage. They will inform you of any excess payments and discuss repair or replacement options.
- If repairs are needed, QBE can provide qualified builders to restore your property to standard, managing the process and payments, minus any applicable excess.
- In cases where the property is deemed a total loss, QBE will settle the claim after deducting any excesses and premiums.
Claims information
Australia Post home insurance is provided by QBE. In the last financial year, The Australian Financial Complaints Authority (AFCA) received 927 complaints in relation to Australia Post's home and contents insurance, 291 of which were resolved at registration and referral, 629 progressed to case management and 540 of those were closed at case management.
See more details in the table below.
Compare other products from Australia Post
Frequently asked questions
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Zubair Hassan Finder
April 11, 2017
Hi Kleo,
Thank you for your question.
Australia Post has a discount offer of 30% on their gold home and contents insurance policy if you purchased online. This offer is still active on the Australia Post’s website.
All the best,
Zubair
Deborah
January 17, 2017
Does the building & contents insurance cover tsunamis ?
Richard Laycock Finder
January 22, 2017
Hi Deborah,
Thanks for getting in touch. Australia Post Home Insurance will not pay a claim if it arises due to high tide, tsunami or storm surge.
All the best,
Richard
Leanne
December 14, 2016
My house has asbestos fibro cladding on the exterior. Is this covered by your insurance product?
Jason Finder
December 14, 2016
Hi Leanne,
Thank you for your enquiry.
Australia Post Home Insurance will not pay claims due to the presence of asbestos in your property or house.
Please note that finder.com.au is a financial information service and general information website that helps consumers make better decisions. We are not an insurer or an insurance company.
Kind regards,
Jason
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Kleo
April 08, 2017
Does the 30% off get applied automatically or do I have to enter the code at checkout (no option).
I have contacted Auspost they claim it might be an offer that Finder.com.au has on.