Young and old, renters or homeowners, we all have our valued possessions, along with many more we take for granted. While some are irreplaceable, there are a surprising number we would need to replace, should the worst happen. From kitchen appliances to the kitchen sink and house itself, it all adds up.

What if a major catastrophe – like fire, lightning, storm damage or falling trees – hit your home? How would you afford to replace the clothes, furniture, books and other items lost in a fire? What would be the real cost of rebuilding or repairing your home to the quality and size it is now?

Less dramatic incidents take their toll as well. It’s amazing how much damage children can unwittingly do with balls, paint and other “playthings”.

And what of those essentials of daily life we take out and about – music players, mobile phones, digital cameras and sunglasses? Small, portable, easy to lose, and appealing to thieves. Costly to replace and frustrating to do without.

With Queensland Police Credit Union Limited’s separate Home Building, Home Contents and Valuables insurance policies, you can cover any or all of these scenarios, depending on your own lifestyle and assets. And you’ll only pay for what you need.

QPCU Home Insurance gives you peace of mind that, if, through specific events, your property is damaged, destroyed, lost, or stolen, it can be repaired or replaced. And it will usually be on a “new-for-old” basis, regardless of the item’s age.

Home building and contents core defined events:

• Fire
• Explosion
• Lightning or thunderbolt
• Earthquake & Tsunami
• Theft
• Vandalism
• Water or other liquid
• Collision
• Falling tree, branch or aerial
• Damage by animals
• Riot
• Storm, rain or flash flood
• Accidental Glass Breakage

With QPCU, there are various ways to enjoy substantial discounts on your premium.

Joint building and contents discount

Insure both your building and contents with QPCU and you get a discount on both policies.

The more secure your property is – through standard door locks and deadlocks, window locks, and either local or monitored alarms – the less you pay.

If you don’t claim, you will be rewarded, with a discount of up to 30% applying if there are no claims in the past 3 years.

Your excess is the initial amount you have to pay yourself if you make a claim, and we offer options of $100, $300 and $500. The higher the excess you choose, the lower the premium you’ll pay.

If you’re a little older, your premium will reflect the lower-risk nature of your demographic.

The convenience of having Home Insurance under the same roof as your financial services isn’t the only way we make life easier. From making your application to making a claim, QPCU ensures things are as straightforward as possible.

You can apply online, by phone, or at any branch. Flexible payment options include fortnightly, monthly or annual direct debit, and cash, cheque or credit card payments (excluding American Express and Diners).

If you do need to make a claim, we won’t make you wade through paperwork. We have a 24-hour emergency claims number, and in most cases, you need to just provide details over the phone.

QPCU acts as an agent for QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 who provide general insurance products. Terms, conditions and acceptance criteria apply. Cover limits apply as set out in the policy wording. This material does not take into account your personal needs, objectives or financial circumstances and you should consider whether it is appropriate for you. Please read the Product Disclosure Statement available at Queensland Police Credit Union to decide if a policy is right for you.