Whether you’re an owner-occupier or tenant, the place you call home is one of the things that matters most.
We'll cover you for loss or damage to the contents of your home from events such as flods*, storms, fires and theft. Plus with our new for old replacement and 24/7 online claims service, we'll get you back on your feet as soon as possible.
Contents items that are covered in your home include things such as:
No matter what level of cover your choose, we cover these events as standard. (We do not insure you for bushfire, storm, flood or tsunami in the first 72 hours of your policy. Very limited exceptions apply).
Yes, your home is covered if it is unoccupied, however an additional excess will apply to any claim made during this time if the home had been unoccupied for more than 60 consecutive days.
Our Cyclone Resilience Benefit is an insurance premium reduction available to certain Suncorp Home and Landlord Insurance customers with properties located in those parts of northern Australia which are most likely to experience cyclones.
This reduction recognises specific property features and mitigation measures which can help reduce damage to a property during a cyclone as well as the likelihood of making a claim. Eligible customers whose properties have these features and measures can receive a reduction to their premium compared to what they would pay if they did not have the features or mitigation measures.
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.
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. For homes that may never flood the percentage of premium that is charged for flooding risk is very low. In the event of a flood, those customers are just as well protected as those who live in flood zones.
For full details of what we cover and do not cover you for, refer to the PDS.
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