Safeguarding your home and possesions

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 or flood 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?

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.

Home Cover is Firefighters Credit Co-operative’s building, contents and valuables insurance solution that can protect any or all of these scenarios.

Home Cover provides peace of mind that, if, through specific events, your property is damaged, destroyed 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.

Competitive, convenient cover backed by QBE

Home Cover is one of a comprehensive range of insurance solutions Firefighters Credit Co-operative offers through our association with QBE Insurance.

Founded in 1886, QBE is one of Australia’s leading insurers. It’s because of QBE’s experience, security and strength – as well as its prompt, efficient and friendly claims service – that we’ve made it our general insurance provider.

This partnership enables us to deliver Firefighters Credit Co-operative members quality and value in insurance products, with the added convenience of having everything under the same roof.

Core Cover

Home Cover core defined events

•Lightning or thunderbolt
•Earthquake or Tsunami
•Water or other liquid
•Falling tree, branch or aerial
•Damage by animals
•Storm, Rain or Flood
•Accidental Glass Breakage

A Selection of Benefits



New for oldreplacement on most items


Legal Liability

$30 Million

Additional Benefits


Building safeguardbenefit


Burning out ofelectrical motors (fusion)


Environmental upgrade


Accommodation Costs*


Spoiled food frompower failure


Essential temporaryrepairs


Loss of credit cards


Contents in storage


Cost of replacing locks if your house keys are stolen


Optional Benefits


Domestic workers compensation

Optional extra#

Extended cover for contents in storage

Optional extra#

*Should you be unable to live in the home as a results of damage caused by a defined event #Available in ACT, TAS & WA only for an additional cost

A range of ways to save

With Firefighters Credit Co-operative there are various ways to enjoy discounts on your premium. Security discounts The more secure your property is – through deadlocks, window locks, and either local or monitored alarms – the less you may have to pay.

Household no claim bonus Continue to earn No Claim Bonus discount, up to our maximum level, the more years you go without making a claim.

Seniors discount If any named Policyholders are over 50 years of age, you are entitled to the over 50s discount.

Multi-policy discount Once you have one MemberCare insurance policy with us, we’ll give you a discount on each additional MemberCare policy #

A choice of Excess Your excess is the initial amount you have to pay yourself if you make a claim, and we offer options of nil excess, $100, $250, $300, $400, $500, $750, $1,000, $2,500, $5,000, $7,500 and $10,000. The higher the excess you choose, the lower the premium you’ll pay.

Retirees Discount If you’re retired and no longer working more than 20 hours a week your premium will reflect the lower-risk nature of your circumstances.

Easy to arrange, simple to claim

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, Firefighters Credit Co-operative ensures things are as straightforward as possible.

You can apply online, by phone, or at our office. Flexible payment options include monthly or annual direct debit, 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. QBE have a 24-hour emergency claims number, and in most cases, you need just provide details over the phone.

Download the product disclosure statement

To apply click here

Important Notes

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 and financial circumstances and you should consider whether it is appropriate for you. Please read the Product Disclosure Statement to decide if a product is right for you # Multi-policy discount is available on your first policy after renewal and is only available for Home, Landlords and Motor Vehicle policies that are purchased through the same financial institution

Insurance issued by QBE Insurance (Australia) Limited ABN 78 003 191 035 AFS Licence 239545

For insurance you should obtain and read the applicable QBE Product Disclosure Statement (PDS).

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