HOME ITEMS
Temporary accommodation when you have home cover
COVERED
Sometimes, you may be unable to live in your home for an extended period of time due to an insured event while your home is being repaired or rebuilt. This is why knowing what coverage there is for temporary accommodation under Suncorp Home Insurance can be an important bit of information.
What policy provides cover
Further cover may be available during delays outside of your control when we have appointed a builder to rebuild or repair and the home still cannot be lived in due to loss or damage covered under your policy. The most we’ll pay for these delays is up to an extra 5% of the home sum insured.
Any payment for temporary accommodation is on top of your sum insured, so won't take away from how much you'll have available to rebuild or repair your home.
What’s covered
If the damage to your home is covered by your policy and your home can’t be lived in due to this damage, we’ll cover reasonable and necessary temporary accommodation costs for both you and your pets while your home is being repaired or rebuilt.
The most we’ll pay is the reasonable and necessary costs for both:
- short term accommodation, up to 4 weeks, agreed to by us (for example, standard rates for a hotel, motel, or serviced apartment), then if reasonable and necessary
- residential accommodation of a similar standard to the home and in a similar location (for example, if the insured home is a 3-bedroom home we’ll aim to put you in a 3-bedroom home in the same or similar location to the home).
When you’re covered for temporary accommodation, we’ll also cover some expenses related to temporary accommodation, such as the reasonable and necessary costs for the:
- redirection of mail from the insured address for up to 52 weeks, and
- utility connection costs for water, electricity, and gas at the temporary accommodation residence.
Limits, conditions and exclusions apply. You can learn more about the extent of this coverage and limits, conditions and exclusions in the Product Disclosure Statement (PDS).
What’s not covered
There are some instances where you will not be covered. We do not cover temporary accommodation costs if you do not intend to repair or rebuild the home, if the home was not your principal place of residence, or if you had planned to demolish the home before the loss or damage occurred. You can read more about the other exclusions to this coverage in the PDS.