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Home Insurance

Protecting what matters

Build it Back BetterTM - with up to $10,000 in resilience options

If your home is substantially damaged after an insured event, with Suncorp Home Insurance we'll Build it Back Better, with extra recommended resilience options up to $5,000 - $10,000 (depending on your level of cover), designed to improve the home's resilience to natural hazards, water damage, fire and theft. Conditions apply. Read the PDS for full details.

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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

$100 off  when you quote and buy online

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

$50 off  when you quote and buy online

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

$50 off  when you quote and buy online

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).

Looking for something else?

Landlord Insurance

$50 off  when you quote and buy online

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

$50 off  when you buy online

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

Enjoy Suncorp Benefits with your policy

Save up to 15% with great deals at major retailers.

Discounts on everyday items
Save on groceries, fuel, entertainment, clothes and more

Savings on bigger purchases
Get great discounts on travel, furniture, electronics and exclusive offers

Instant access to rewards
Simply choose your reward on your phone and use it instantly

Frequently Asked Questions

*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)

Refer to the T&Cs.

Substantially Damaged

When your home is substantially damaged by an insured event (meaning the cost for us to repair is at least $50,000 or 10% of your home sum insured, whichever is more). Please Refer to PDS for Full Details.

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