Home items

We cover the home at the insured address 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. Limits, conditions, and exclusions apply. Please read the Product Disclosure Statement (PDS) for full details.

The content on this page applies to policies started or renewed on or after 24 May 2025. 

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Suncorp house home items

Coverage options

Accidental breakage of glass (home)

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

Build it back better

Damage from physical injury or incident

Damage to gardens and plants

Decks, pergolas, pagodas, verandas and balconies

Emergency repairs and other repair/rebuilding costs

Energy costs for loss of supply of renewable energy

Exploratory costs where the liquid escaping isn’t covered under insured event ‘Escape of Liquid’

Fatal injury compensation

Fencing

Fixed swimming pools and spas

Floating floors

Garages and carports

Garden borders, sealed pathways and paved or concreted floor areas

Gas appliances permanently plumbed to a gas supply

Granny flats, sheds and outbuildings

Lino or vinyl flooring installed, whether permanently attached or not

Lock replacement

Matching undamaged parts

Outdoor walls, free-standing outdoor walls, gates and retaining walls

Paraplegia or quadriplegia assistance

Permanently attached fixtures including wall, ceiling and floor coverings

Permanently fixed outdoor items

Sealed driveways and sealed roads

Services (eg. a water or waste line)

Storage Tanks

Temporary accommodation when you have home cover

Tennis courts

Uninstalled building fittings, fixtures and materials