Home items

We cover the home that you own or are responsible for and use primarily for domestic purposes and described as 'Your Home' on your certificate of insurance. This includes the list of items shown below. Like any insurance policy, there are always some things we don't cover.

This is a summary only. Please read the Product Disclosure Statement (PDS) for full details.

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Suncorp house home items

Coverage options

Accidental breakage of glass (home)

Temporary accommodation when you have home cover

Build it back better

Removal of debris (home)

Garages and carports

Decks, pergolas, pagodas, verandas and balconies


Outdoor walls, gates and retaining walls

Garden borders, sealed pathways and paved or concreted floor areas

Granny flats, sheds and outbuildings

Sealed driveways and sealed roads

Permanently fixed outdoor items

Permanently attached fixtures including wall, ceiling and floor coverings

Gas appliances permanently plumbed to a gas supply

Floating wooden floors

Lino installed whether permanently attached or not

Uninstalled building fittings, fixtures and materials

Fixed swimming pools and spas

Services (eg. a water or waste line)

Tennis courts

Boat jetties, pontoons, mooring poles and their attachments and accessories

Storage Tanks

Other repair/rebuilding costs

Energy costs for loss of supply of renewable energy

Lock replacement

Exploratory costs where the leak is not covered under insured event ‘Escape of Liquid’

Supplementary living expenses (home)

Damage to gardens and plants

Mortgage discharge costs

Security attendance fees

Prevention of access when you have home cover

Matching undamaged parts

Paraplegia or quadriplegia assistance

Fatal injury compensation

Damage from physical injury or incident