Great value insurance with the awards to prove it
Suncorp Contents Insurance has been recognised with Canstar’s Outstanding Value Award three years in a row.
Explore our Home Insurance products to find the one that's right for you
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Did you know our Home insurance policies include automatic cover for water damage?
Exclusions apply*
How to save on your Home Insurance
15% multi-policy discount
Combine any 3 or more eligible policies and get a 15% multi policy discount.
Online discounts
Get up to $100 off your first year when you buy online.#
6% seniors discount for Queenslanders
If you have a Queensland Seniors Card you’re eligible for a discount
Vary your excess
If you increase your standard excess you can save on your premium
If you’re eligible for more than one discount, we apply each in a predetermined order to the already discounted premium.
Frequently Asked Questions
Suncorp offers three levels of Home & Contents Insurance: Classic Home and Contents, Classic Extras Home and Contents, and Classic Advantages Home and Contents. You can compare the three types of cover on our website to see which product is right for you and suits your needs.
To avoid being underinsured, your home and contents sum insured should reflect what it would cost to rebuild your house or replace your contents at today’s prices.
After the numerous flooding events throughout the country in recent years, it is important that we provide our customers with flood cover even if it is unlikely a flood will occur at their address.
Yes, your home is covered if it is unoccupied, however an additional excess applies to any claim made during this time if the home has been unoccupied for more than 60 consecutive days.
The Product Disclosure Statement (PDS) and your Certificate of Insurance (found in the Suncorp Insurance App and your My Suncorp account) both contain detailed information regarding what is and isn’t covered under your policy.
Your Suncorp policy provides you with up to $20 million legal liability cover.
Legal liability covers your liability to pay compensation for death or bodily injury to other people or loss or damage to their property resulting from an incident, which happens in connection with you owning or living in the home at the insured address. For instance, if a person was to come onto your property and injure themselves by tripping whilst climbing the stairs, the Home legal liability component of your policy would respond if you were found legally liable for the injury sustained and damages were sought from you.*
Legal liability on contents also covers your liability to pay compensation for an incident, which causes death or bodily injury to other people anywhere in Australia or New Zealand. So if you were playing golf at your local golf club and your ball was to strike another player causing injury, the contents legal liability component of your policy would respond if you were found legally liable for the injury sustained and damages were sought from you*.
* This example assumes your claim was not otherwise excluded by your policy.
Both carpets and rugs are covered as part of your Suncorp Contents Insurance policy. Limits apply to carpets or rugs that are hand woven or hand knotted, so refer to the PDS for more information.
When an assessor comes to your home, the appointment may take anywhere from 30 minutes to several hours to complete. The assessor can give you a clearer indication of this when they call you to book your assessment.
A home claim assessment determines the outcome of your claim after loss or damage to your home and/or contents. Once you’ve lodged your claim, we’ll organise for an assessor to contact you to arrange a time to attend your property and inspect the damages or loss.
Each of Suncorp's insurance products utilise a five-stage product lifecycle (Design, Delivery, Review, Enhance/Modify and Decommission). This approach allows us to put you, the customer, at the centre of our product development and distribution.
# Any subsequent discounts are applied to the already discounted premium, before government taxes and charges.
*Actions or movements of the sea and loss or damage caused by storm surge (unless the storm surge damage occurs at the same time as damage caused by a storm) are not covered. We don't cover retaining walls or flood damage to wharves, jetties, pontoons, other exclusions apply.
We do not cover water damage caused by wear and tear or the gradual leaking of liquid, e.g. leaking shower bases. See PDS for more details. The Target Market Determination is also available
^We do not insure you for bushfire, storm, storm surge, flood or tsunami in the first 72 hours of your policy. Very limited exceptions apply.
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First eligible policy
If you first purchase or have an existing Suncorp Car, Suncorp QLD CTP, Suncorp Motorcycle or Suncorp Home and/or Contents insurance policy, you will be eligible for this campaign. Refer to the T&Cs.
Second new eligible Policy purchased
- If you first purchase or have an existing Suncorp Car or Motorcycle policy, you can get 20% off new Suncorp home insurance. (‘New Suncorp home insurance’ excludes landlord and strata insurance)
- If you first purchase or have an existing Suncorp Home or QLD CTP policy, you can get 20% off new Suncorp car insurance. (‘New Suncorp car insurance’ excludes QLD CTP and Suncorp Roadside Assist)
Substantially Damaged
When your home is substantially damaged by an insured event (meaning the assessed quote to repair or rebuild is at least $50,000 or 10% of your home sum insured, whichever is more). Please refer to PDS for full Details.
Flood
Flood means the covering of normally dry land by water that has escaped or been released from the normal confines of things like a lake, river, reservoir, canal or other natural watercourse.
Actions or movements of the sea or storm surge are not covered. Some things we don't cover are damage to retaining walls, jetties, pontoons and garden borders.
Storm
Storm means a storm, cyclone or severe atmospheric disturbance. It can be accompanied by strong winds, rain, lightning, hail, snow, or dust.
It includes loss or damage caused by a landslide or subsidence within 72 hours of, and directly because of, a storm and not because of erosion, structural fault or design fault.
Riot and civil commotion
An example of a riot, civil commotion or public disturbance event would be damage caused by a violent crowd moving down your street.
It doesn't cover loss or damage caused by someone who had consent to enter the insured address and doesn't cover loss or damage if anyone living at the insured address participated in the disturbance.
Lightning
Lightning, including power surges caused by lightning, will be covered providing a qualified repairer gives written confirmation to show lightning as the cause of loss or damage and the Australian Government Bureau of Meteorology has a record of lightning in the area.
Fire
Loss or damage caused by fire (includes bushfire) and heat, ash, soot and smoke that is a direct result of a fire within 100 metres of the insured address.
It doesn’t include arcing, scorching or cigarette burns unless a fire spreads from the initial burn spot.
Pollution or vapour damage by a home heater or cooking appliance is covered if a fire spreads from the initial source.
If there is a bushfire in your area, we also cover the cost of replacing water in any tank, container, pool, spa and any other storage vessel, even if there is no physical damage to your property. The most we will pay is $1,000.
Theft and burglary
Theft or burglary occurs when someone enters the insured address without your consent and steals or intends to steal items.
We don't cover loss or damage caused by thieves or burglars entering the insured address from common property without signs of forced entry, or loss or damage caused by anyone living at the address.
Explosion
We cover loss or damage caused by an explosion but we don't cover the cost of repairing or replacing the container or tank that exploded.
Earthquake and tsunami
We cover damage that occurs within the first 72 hours following an earthquake or tsunami.
This includes cover for damage caused by a landslide or subsidence within 72 hours of, and directly because of, an earthquake or tsunami. It doesn't cover damage caused by erosion over time or a structural or design fault.
Malicious acts
Malicious acts or vandalism includes things like vandals damaging your letterbox or painting graffiti on your home.
It doesn't include damage caused by someone who lives or is staying at the insured address or who entered the insured address with your consent.
Damage by animal
This covers loss or damage caused by an animal that becomes accidentally trapped inside your home.
We don't cover damage caused by any animal you own or are responsible for, or has been allowed onto the insured address, or damage caused by insects, vermin or rodents (unless the damage they caused is covered under fire or escape of liquid).
Impact
Impact covers damage caused by impact from things like a falling tree, power poles, tv antennas, aircrafts, motor vehicles and even space debris.
It doesn't include damage caused by trees being lopped, felled or transplanted by you or for you.
Escape of liquid
This covers damage caused by liquid leaking, overflowing or bursting from things like your fridge, washing machine, bath (but not shower), toilet, fixed pipes (except agricultural pipes), swimming pool, water main, fixed cooling system or an aquarium.
We do not cover the cost of fixing the leak itself, wear, tear and gradual deterioration or loss or damage as a result of a gradual process of liquid leaking, splashing, dripping or overflowing. See the PDS for more details on what we don't cover.