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Choose award-winning Insurance
Suncorp Insurance is the proud winner of Canstar's annual Outstanding Value Awards for Contents Insurance 2021 and Landlord Insurance 2022
Explore our Home Insurance products to find the one that's right for you
Looking for something else?
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 when you buy your policy 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 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.
*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.
1 Year free Safety Net Protection
Quote and purchase online from 21st Mar 2022 – 30th Jun 2022. Not available with any other offers. Free for first period of insurance. T&C's apply