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QBE renters insurance review

A solid renters policy with strong coverage, but it can be hard to get unless your landlord offers it.

  • Get a quote if your landlord has a deal in place with QBE.
  • Pick something else if you want to get an online quote.
  • Renters who have their auto insured with QBE are eligible for the multipolicy discount.
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48 states (available everywhere except AK and FL)

Available states

24/7 claims

Online quotes



  • Solid renters coverage
  • Bundling options
  • Service with local agents


  • No online quoting
  • Difficult to locate agents
  • Not known for low rates
New home discount discount No
New homeowner discount No
Home safety features discount No
New policy discount No
Bundling discount Yes
No claims discount Yes
Other discounts Continuous insurance
Personal property coverage Yes
Valuable personal property Yes
Theft coverage No
Fire coverage No
Flood coverage No
Identity theft coverage Yes
Homesharing No
Dwelling coverage No

Review by

Andrew Flueckiger is a licensed insurance agent and Certified Insurance Counselor with experience in insurance and finance. A graduate of Indiana University, Andrew contributes a wealth of knowledge and experience to Finder. When Andrew isn’t writing, reading or practicing insurance, he can be found spending time with his family and playing the guitar.

Expert review

A QBE renters policy might be a good option if your landlord has a deal in place and you can buy it through them, or if you already have your auto insurance with QBE. Otherwise, it might be difficult to find a local agent and you can’t apply online.

To find other options for renters policies, including ones that allow online quoting compare renters insurance options.

What renters insurance coverage does QBE offer?

QBE offers a standard, no-frills renters insurance policy in all states except Florida and Alaska. Here’s what’s covered:

  • Personal contents. Covers your personal belongings, no matter where they’re located.
  • Replacement cost. This add-on will provide the full cost to replace your items with something similar, without taking depreciation into account.
  • Personal liability. Provides defense costs if somebody sues you for a covered reason, such as someone getting hurt on your property.
  • Personal injury. This coverage pays for defense costs if you get sued for libel or slander due to hurting someone else’s reputation.
  • Personal security. This is QBE’s version of identity theft coverage, if your identity is stolen it’ll provide guidance and cover costs associated with recovering.
  • Water backup. This will protect your belongings affected by water damage with a separate deductible.
  • Student at school. Your renters policy can extend to a child who’s away at school and needs their own renters policy.
  • Valuable articles. If you have any valuable items, such as jewelry, firearms or antiques, you can insure it for full value for any loss.

What renters insurance discounts can I get?

QBE only offers three discounts that you can get on your renters policy.

  • Multipolicy discount. If your auto insurance is also with QBE, you’ll receive a discount on both policies.
  • Continuous insurance. If you had a renters or homeowners insurance policy before switching to QBE, you’ll be eligible for this discount.
  • Claims-free discount. QBE provides this discount if you haven’t had a recent claim. The longer you’ve gone without a last claim, the greater your discount will be.

Pros and cons of QBE


  • Wide array of coverages. QBE offers a solid selection of renters coverages, including personal injury and personal security coverage.
  • Service through local agents. QBE operates through its network of independent agents, which means you’ll receive personalized and local service.
  • Financially strong company. QBE has an A rating by AM Best and an A+ rating by S&P 500, which means it’s a financially balanced company that will pay claims and should have steady rates.


  • Questionable customer service reputation. Online reviews on the Better Business Bureau’s website and other online sources show mostly negative reviews for claims and customer service.
  • Hard to find an agent. Finding an agent that offers QBE insurance is hard to find and the website doesn’t offer help finding a local agent.
  • Can’t apply online. QBE’s website doesn’t allow you to get a quote online, meaning you’ll have to go through an agent for the entire process.
  • Not known for low rates. QBE’s primary insurance focus is commercial insurance, which means it doesn’t have a strategy in place to offer competitive rates for homeowners or renters policies.

How to apply for QBE renters insurance

You can apply for QBE renters insurance in one of three ways:

  1. Talk to your landlord to see if they have a deal with QBE for renters insurance. If they do, you should be able to apply through your landlord’s online portal.
  2. Call QBE directly at 866-318-2016. On the automated menu, first press 1, then 2, then 2 again to get a quote.
  3. Locate an independent insurance agent that offers QBE insurance and apply through the local office.

What info do I need to apply for renters insurance with QBE?

In order to get a quote and start a renters policy with QBE, you’ll need the following information:

  • Name
  • Date of birth
  • Marital status
  • Address
  • Prior address, if you’ve recently moved
  • Phone number
  • Email address
  • Type of pets owned, if applicable
  • Previous homeowners or renters insurance policy
  • Number of homeowners or renters claims in the past five years
  • Desired coverage amounts
  • Payment information

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Frequently asked questions about QBE renters insurance

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