Home Insurance

Peace of mind when it matters most

Get Storm and Flood Cover automatically included with all Suncorp Home Insurance products.*^

Terms & Conditions apply. Please read the PDS for full details

Canstar 2021-2023 Outstanding Value Contents Insurance Australia

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.

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Customer Rating
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Explore our Home Insurance products to find the one that's right for you

Home & Contents Insurance

Get $100 off

First Year Online Discount#

We know it's important to protect the things that really matter in your life, which is why you can rest assured with our 3 levels of Home and Contents insurance.

Cover for:

  • Floods*, storms, fire^ and theft
  • Loss or damage to your home and its contents from insured events
  • Temporary accommodation if your home cannot be lived in, due to an insured event
  • Injury to pet dogs and cats (an optional cover)

Building Insurance

Get $50 off

First Year Online Discount#

We'll help protect one of your most important assets by covering your home, garages, and sheds.

Cover for:

  • Floods*, storms, fire^ and theft
  • Loss or damage to your garage, shed, and permanently attached fixtures, like solar panels
  • Temporary accommodation if your home cannot be lived in, due to an insured event
  • Loss or damage to your tennis court, fixed swimming pools, or spa.

Contents Insurance

Get $50 off

First Year Online Discount#

Replacing your home's contents can really add up. Let us help you make sure the things that make your house a home are covered.

Cover for:

  • New for old replacement and 24/7 online claims
  • Loss or damage to your home contents from insured events like floods*, storms, fires^, and theft
  • Injury to pet dogs and cats (an optional cover)
  • Personal and portable valuables like bikes and laptops, anywhere in Australia and New Zealand (an optional cover with varying limits).
Canstar 2021-2023 Outstanding Value Contents Insurance Australia

Looking for something else?

Landlord Insurance

Get $50 off

First Year Online Discount#

We understand that sometimes as a landlord, things can feel out of your control. It’s ok – we’re here to help.

Cover for:

  • Loss or damage to your investment property from insured events
  • Loss of rent if your tenant fails to pay. Limits, exclusion and conditions apply.
  • Damage caused by flood*, storms, fires^, and theft
  • Loss of rent if your property cannot be lived in or cannot be re-leased following an insured event. Limits, exclusion and conditions apply.

Strata Insurance

When you own a home that shares common property, things can get complicated. We make it simple with our Strata Insurance.

Cover for:

  • Loss or damage to its common areas, like garages, driveways, and swimming pools
  • Legal liability to pay compensation for death, illness, or bodily injury
  • Loss of rent if your property cannot be lived in or cannot be re-leased following an insured event. Limits, exclusion and conditions apply.

Renters Insurance

Get $50 off

First Year Online Discount#

If you're renting, you probably don't need to insure the building but you may still want cover for your contents - we can help.

Cover for:

  • New for old replacement for your lost or damaged items
  • Loss of damage to your home contents from insured events like floods*, storms, fires^, and theft
  • Injury to pets dogs and cats (an optional cover)

Did you know our Home insurance policies include automatic cover for water damage?

Exclusions apply*

How to save on your Home Insurance

If you’re eligible for more than one discount, we apply each in a predetermined order to the already discounted premium.

Find out more about ways to save

Frequently Asked Questions

# 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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Reviews are independently verified and detail our customers' real experiences.

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)

Refer to the T&Cs.

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.