Contents Only Insurance

Choose from three levels of cover for your contents

Cover for loss or damage caused by events, including water damage, fire and theft with the flexibility to set the amount you’d like to be insured for.

Best of all, with new for old replacement, and our 24/7 claims service you’ll be back on your feet as soon as possible.

No matter what level of cover you choose, we cover these events as standard:

         
  • Flood
  • Earthquake & Tsunami
  • Accidental breakage of glass
  • Storm
  • Theft or Burglary
  • Malicious acts of vandalism
  • Lightning
  • Impact
  • Riot, civil commotion or public disturbances
  • Fire
  • Damage by an animal
  • Explosion
  • Escape of liquid

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

Get a Quote

Extras

With Extras, you'll get all of the features of Classic Contents Insurance

+ 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
  • Motor burnout

Optional Cover

  • Specify cover for items you take away from the home (personal valuables)
  • Injury to pet dogs and cats cover

Get a Quote

Advantages

With Advantages, you'll get all of the
features of Classic Contents Insurance


+ 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
  • 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

Get a Quote

Our customers rate Suncorp Insurance
 

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
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   cross $1,000 $1,500

Supplementary living expenses
  cross $1,500 $2,000
Contents in transit   Tick Tick Tick
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
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
Temporary accommodation from prevention of access   cross cross 12 weeks max

Conditions, exclusions and limits apply to all 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

15% Multi policy discount
Combine 3 or more eligible products with us and you could qualify for a multi policy discount.  Find out more

Online discount

Online discount
Get a quote and purchase a new contents insurance policy online and save $50 off our premium.

Seniors discount

Seniors discount
You could qualify for our Queensland seniors card holder discount.

   

Additional Information

Making a claim is easy with our 24/7 Claims Service.

Tools & Services

 ​Read all Home & Contents Insurance FAQs  

 


Insurance is issued by AAI Limited ABN 48 005 297 807 trading as Suncorp Insurance. 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.