Last Updated: 04/18/2025
SuperMoney User Recommendation Score -40
Mostly not recommended10 total votes
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Highlights
Community Rating
Mostly not recommended
Financial Strength Rating
A(Verified 04/18/2025)
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Number of Reviews
QBE Home Insurance Review
QBE Home Insurance is an insurance carrier based in New York, NY. The company was founded in 1991 and offers home insurance in 35 states in the USA.
QBE Home Insurance FAQ
What is the financial strength rating of QBE Home Insurance?
The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies. SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.
QBE Home Insurance scores an A or excellent financial strength rating, which is SuperMoney's second highest available score.
What types of coverage does QBE Home Insurance offer?
Home insurance includes a wide range of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. QBE Home Insurance offers the following types of home insurance coverage:
Dwelling Coverage:
Also called "dwelling insurance." This is the part of your homeowner's insurance policy that helps pay for the rebuilding or the repair of the physical structure of your home if it's damaged by a covered hazard.
Guest Medical Protection:
This helps visitors who are injured on your property. It can help cover the necessary medical expenses in an accident, regardless of who's at fault. Medical expenses covered usually include costs like ambulance rides, X-rays, surgical procedures, and hospital stays. Note that guest medical coverage doesn't apply to anyone who lives in the home or is listed on your policy.
Liability Coverage:
The personal liability coverage within your homeowner's policy offers coverage for bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.
Other Structures Coverage:
This covers structures on the residence premises separated from the dwelling by a clear space or connected to the dwelling by a fence, utility line, or related connection. Examples include a detached garage, tool shed, driveway, swimming pool, gazebo, or fence.
Personal Property Protection:
This insurance protects the items in your home, like your furniture. If they're damaged or lost, personal property coverage could help you cover the cost of replacing them.
QBE Home Insurance customers can also add the following riders or endorsements to their home insurance policies:
Assisted Living Coverage:
As well as covering the usual personal property like furniture or jewelry, this rider can also cover hearing aids, false teeth, contact lenses, eyeglasses, medical alert devices, walkers or canes, and wheelchairs. You may also include personal liability coverage for residents and visitors with a choice of limits.
Business Property Protection:
This coverage protects business assets in the home. Adding this coverage may help cover inventory, such as cosmetics or kitchen supplies, temporarily stored in your home as you're preparing to sell it or deliver it to customers.
Earthquake Coverage:
This covers some of the losses and damage that earthquakes can cause to your home, belongings, and other buildings on your property.
Identity Theft Protection:
This rider protects homeowners in the event of identity fraud and pays for the cost of restoring their identity.
Personal Injury Liability Coverage:
This protects you against bodily injury and property damage for which you or the residents of your home are responsible.
Valuable Items:
Valuable personal property coverage protects items such as expensive collections, engagement rings, watches, and other jewelry from theft, loss, or damage.
How can you save money on a QBE Home Insurance home insurance policy?
When you ask for a quote with QBE Home Insurance, make sure you ask for all the discounts you qualify for. These are the property-specific discounts currently available.
- Alarm System
- Home Security or Protective Devices
- Home Monitoring System
- Smoke Detectors
Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with QBE Home Insurance.
What additional benefits does QBE Home Insurance offer?
QBE Home Insurance offers the following benefits to its customers:
24/7 Phone Availability:
Customer service is staffed around the clock.
Local Agents:
Perfect for people who prefer the personal touch of a local insurance agent.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
8:00AM - 8:00PM
Tuesday
8:00AM - 8:00PM
Wednesday
8:00AM - 8:00PM
Thursday
8:00AM - 8:00PM
Friday
8:00AM - 8:00PM
Saturday
8:00AM - 1:30PM
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly don't recommend this product, giving it a user recommendation score of -40, or 2.2 on a 5-point rating scale.
-40
-1000+100
No one recommends
Everyone recommends
QBE Home Insurance Community Reviews
Would you recommend QBE Home Insurance to your friends?
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
This company made it incredibly hard for my friend to cancel his policy, I heard he spent months going through it. Do no recommend, please choose someone else.
MN
Michael N.
Jan 7, 2022
May or may not recommend
They try very hard to not pay clear cut claims.
Andrew H.
Aug 12, 2021
May or may not recommend
Will do anything in their power to withold payment, stay away.
DR
Devine R.
Jul 14, 2021
May or may not recommend
This company made it incredibly hard for my friend to cancel his policy, I heard he spent months going through it. Do no recommend, please choose someone else.
AO
Adebola O.
Jun 14, 2021
May or may not recommend
I think they sold everything to safeco. Are they still functioning? People I know that use them complain a lot about them.
U
Anonymous
May 16, 2021
May or may not recommend
Our home has been destroyed for months. They said the damage was $10,000 over when appraised by their adjuster but then only sent a check for about $3,000 leaving us the rest to pay - this is Not ok. We now can’t find anyone to fix it and they said we are on our own and now won’t return calls! NEVER again will we use them or ever recommend them!
SH
Sally H.
Apr 10, 2021
May or may not recommend
We've had them for 15 years and have never had an issue with a claim.
U
Anonymous
Apr 18, 2019
May or may not recommend
Do they still have a personal lines business? Didn't they sell everything to Safeco?
Linda P.
Feb 25, 2017
May or may not recommend
Filed 1 month ago for storm damage to roof, chimney, deck, and kitchen . The pay they offered is so low that 3 contractors later I still have no repairs. I reached out to the 2nd agent they assigned me (not a nice person) with estimates from my contractors. Curt email sent by him will not approve. I am an old tired and disheartened woman. I absolutely do ...Show More
U
Anonymous
May 2, 2015
May or may not recommend
They take your premiums and when you make a claim, they refuse due to fine print or experts that work to QBE's advantage!
Yes they did; n they took our money and screwed us!
If your going to insure your house I suggest you do it with someone else!
Showing 10 of 10 reviews