Track your claimHome & Contents Insurance
Choose from three levels of cover to help protect your way of life
Every one of our home insurance customers is different. We now offer three different levels of home insurance that provide a greater range of options and limits to make it simpler for you to choose a level of cover for your home and contents that best suits your needs.
No matter what level of cover you choose, we cover these events as standard:
|
|
|
|
|
Classic
Lower flexible limits for high
value items.
e.g. Jewellery up to $1,000 per item
Artwork up to $10,000 per item
Specify high value items above flexible limits
Cover for items with fixed limits (such as home office equipment and tools of trade)
Optional Cover
- Specify cover for items you take away from the home (personal valuables)
- Accidental damage at the home
- Safety net home protection
- Motor burnout cover
- Injury to pet dogs and cat cover
Extras
Provides all the features of Classic
Plus
- Higher flexible limits for your high value items.
e.g. Jewellery up to $2,500 per item
Artwork up to $20,000 per item
Specify high value items above flexible limits - Higher fixed limits on items such as home office equipment and tools of trade
Accidental damage at the home
Safety net up to 25% of the home sum insured
Motor burnout
Optional Cover
- Specify cover for items you take away from the home (personal valuables)
- Injury to pet dogs and cats cover
Advantages
Provides all the features of Home &
Contents Classic
Plus
Contents Classic
Plus
- Our highest flexible limits for your
high value items.
e.g. Jewellery up to $10,000 per item
Artwork up to $200,000 per item
Specify high value items above flexible limits - Our highest fixed limits on items such as home office equipment and tools of trade
- Accidental damage at the home
- Safety net up to 30% of the home sum insured
- Motor Burnout
Optional Cover
- Specify cover for items you take away from the home (personal valuables) or take out Portable Advantages
- Injury to pet dogs and cats cover
| Features and benefits | Classic | Classic Extras | Classic Advantages | |
| Temporary accommodation costs | 10% of home sum insured or 52 weeks max | 10% of home sum insured or 52 weeks max | 10% of home sum insured or 2 years max | |
| Temporary accommodation costs for tenants or strata title owners (including pets) | 10% of general contents sum insured or 52 weeks max | 10% of general contents sum insured or 52 weeks max | 10% of general contents sum insured or 52 weeks max | |
| Removal of debris | 10% of home or general contents sum insured | 15% of home or general contents sum insured | 20% of home or general contents sum insured | |
| Other repair/rebuilding costs | 10% of home sum insured | 15% of home sum insured | 20% of home sum insured | |
| Storage of undamaged contents | 10% of general contents sum insured | 10% of general contents sum insured | 20% of general contents sum insured | |
| Environmental improvements | $2,500 | $3,500 | $5,000 | |
| Mortgage discharge costs | $1,000 | $1,500 | $2,000 | |
| Accessories & spare parts | $500 | $1,000 | $2,000 | |
| Paraplegia or quadriplegia assistance | $5,000 | $7,500 | $10,000 | |
| Fatal injury compensation | $5,000 | $5,000 | $5,000 | |
| Extra costs to re-establish important documents | $500 | $1,000 | $2,000 | |
| Contents on common property |  |
$1,000 | $1,500 | |
Supplementary living expenses |
|
$1,500 | $2,000 | |
| Damage to gardens and plants | |
$1,000 in total | $2,000 in total | |
| Energy costs for loss of supply of renewable energy | |
$500 per quarter | $750 per quarter | |
| Contents in transit |  |
|
|
|
| Lock replacement | $500 | $1,000 | $2,500 | |
| Damage from Physical injury or incident | $15,000 | $20,000 | $20,000 | |
| Identity theft | $1,000 | $1,500 | $5,000 | |
| Food and medication spoilage | $500 | $1,000 | $2,000 | |
| Visitors contents | $500 | $1,000 | $2,000 | |
| Financial transaction card cover | $1,500 | $2,500 | $5,000 | |
| Exploratory costs for location of leaks | $1,500 | Up to $2,000 | Up to $2,500 | |
| Contents temporarily removed | 25% of general contents sum insured for up 180 days |
30% of general contents sum insured for up 180 days |
35% of general contents sum insured for up 180 days |
|
| Contents in commercial storage | 365 days | 365 days | 365 days | |
| Security attendance fees | |
|
$2,500 | |
| Temporary accommodation from prevention of access | |
|
12 weeks max |
Conditions, exclusions and limits apply to all the features and benefits listed.
| Contents with fixed limits | Classic | Classic Extras | Classic Advantages | |
| Home office equipment used for a business activity | $10,000 | $15,000 | $20,000 | |
| Tools of trade and equipment used for a business activity (not ‘Home office equipment’) | $1,000 | $2,000 | $5,000 | |
| Cash, smart cards, phone cards, documents able to be cashed or traded, vouchers, tickets, money orders or stamps (not in a set or collection) | $300 | $400 | $500 | |
| Uncut and unset gems, gold or silver nuggets, bullion and ingots (not jewellery) | $500 | $700 | $1,000 | |
| Refrigerated food, frozen food and medicines | $500 | $1,000 | $2,000 |
| Contents with flexible limits | Classic | Classic Extras | Classic Advantages | |
| Jewellery and watches | $1,000 per item or set $4,000 in total | $2,500 per item or set $10,000 in total | $10,000 per item or set $40,000 in total | |
| Carpets or rugs that are hand woven | $2,000 per item | $5,000 per item | Not limited | |
| Paintings, pictures, works of art, antiques, sculptures, ornaments and art objects | $10,000 per item or set $50,000 in total | $20,000 per item or set $80,000 in total | $200,000 in total | |
| Collections, sets and memorabilia | $2,000 per item | $5,000 in total | $50,000 in total |
There’s a range of ways you can save our premiums when you become a Suncorp Insurance customer. We’re always looking out for ways to offer you better value, so ask today.
 |
15% Multi policy discount |
 |
Seniors discount |
Additional Information
Making a claim is easy with our 24/7 Claims Service. |
Tools & Services |
|||
 Read all Home & Contents Insurance FAQs |
||||
Home Facts
Calculators and tools
Existing Customer FAQ'sInsurance is issued by Suncorp Metway Insurance Limited ABN 83 075 695 966. Please read the relevant Product Disclosure Statement before making any decision regarding this product. Click here for a copy. The features and benefits described on this page and in our Home & Contents and Landlord Insurance Product Disclosure Statements apply to new customers from 26th November, 2012 and existing customers on renewal from 4th January, 2013.