Contents Only Insurance

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SAVE $50 OFF

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Canstar 2021-2023 Outstanding Value Contents Insurance Australia

Outstanding value - with the award to prove it.

Suncorp Contents Insurance has been recognised with Canstar’s Outstanding Value Award three years in a row.

What is Contents Insurance?

Whether you’re an owner-occupier or tenant, the place you call home is one of the things that matters most. Contents Insurance can cover you for loss or damage to your home’s contents – including your furniture, clothing, appliances and more – from events such as burglaries and natural disasters. Plus, with our new-for-old repair or replacement and 24/7 online claims service, we'll get you back on your feet as soon as possible.

For more details, check out our Visual Guide to Home & Contents Insurance.

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^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. Read the PDS for more details.

Choose from 3 levels of Contents Insurance

Features:

Classic

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Classic Extras

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Classic Advantages

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Food and medication spoilage

We’ll cover spoilage of refrigerated food, frozen food and refrigerated medicines. Limits, exclusions and conditions apply.

Up to $500

Up to $1,000

Up to $2,000

Contents in transit

We'll give you limited cover for your contents when moving from one home to another.

Up to the general contents sum insured

Up to the general contents sum insured

Up to the general contents sum insured

Removal of debris

We'll cover the cost to dispose of your damaged contents after an event that we cover.

Up to 10% of the general contents sum insured

Up to 15% of the general contents sum insured

Up to 20% of the general contents sum insured

Supplementary living expenses

We'll cover you for reasonable increases in your normal living expenses to maintain your normal standard of living following an event that we cover if, as a result of the event, your insured address cannot be lived in.

Up to $1,500

Up to $2,000

Options for added cover

Learn about the other optional covers you can pay extra for with Suncorp Classic Contents only Insurance.

Personal valuables

Personal valuables are some of the valuable things you might leave the house with. It’s things like your mobile phone, camera, laptop, or tablet. It also includes bicycles (as long as you’re not racing or pace making).

With personal valuables, the items are covered anywhere in Australia and New Zealand.

You can choose whether to specify the items so as to cover them up to a specified value, or if you’re happy to have unspecified cover, we pay up to $1,000 per item.

Accidental damage at the home

We’ll cover loss or damage to your contents that occurs without intent e.g. losing, breaking or damaging something, up to the contents sum insured. For example, accidentally dropping a ring down the drain and you’re unable to retrieve it.

Automatically included with Classic Extras and Classic Advantages.

Accidental damage at the home

Automatically included with Classic Extras & Classic Advantages

Motor burnout

Covers the burning out or fusing of electric motors that are part of your household equipment or appliance which are part of your contents and where the motor is equal to or less than 10 years old. This includes the motor in things like portable air conditioning units, washing machines and fridges. An extra premium applies if you choose to add this to your Classic cover while if you have Classic Extras or Classic Advantages it is automatically included in your cover. This optional cover has its own excess, and the standard excess does not apply.

Motor burnout

Automatically included with Classic Extras & Classic Advantages

Injury to pet dogs and cats

If a pet dog or cat shown on your certificate of insurance is injured in an incident, we’ll pay for necessary veterinary treatment (up to $2000 per accident). Extra premium and injury to pet dogs and cats excess will apply.

Limits, exclusions and conditions apply to these optional covers. Check out the PDS for more detail.

Need a little clarity on your coverage?

Our visual guide to your Home & Contents Insurance can help you find answers to your coverage questions.

Start exploring

Compare our 3 levels of cover

How to save on your Contents Insurance

If you’re eligible for more than one discount, we apply each in a predetermined order to the already discounted premium. Learn more about ways to save with Suncorp Insurance.

Claims process

If you need to make a claim, rest assured we’ll help you with our local expertise every step of the way.

Frequently Asked Questions

Is my home covered while I'm away on holidays?

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.

Read more

Other Home Insurance products

Landlord Insurance

Protect your investment property from damaging events like flood, storm, fire and theft. Includes cover for loss of rent if a tenant doesn’t pay or the home cannot be lived in or cannot be re-leased after an insured event.

Find out more

Home & Contents Insurance

If you’re responsible for your house – that’s the building, and not just the stuff inside it – you may want to consider Home and Contents Insurance.

Find out more

Home Insurance Insights

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Suncorp Contents Insurance Tools

CONTENTS CALCULATOR
 

Estimate your contents coverage

Estimate the replacement costs of your home's contents to help determine how much contents cover you may need.

Suncorp Content Calculator

Visual guide to Home & Contents Insurance

Get to know what you're covered for with our easy-to-navigate guide

Start exploring

What makes Suncorp different?

Insuring Australians for over 100 years

For nearly a century, Suncorp Insurance has been proud to protect Australian homes. We pride ourselves on delivering for our customers. We have a team dedicated to helping you protect what’s most important to you.

Learn more

We value the communities we live and work in

From sponsoring events to volunteering for charities, we’re dedicated to empowering and supporting local communities.

Community Work

*Offer available only for the purchase of a new eligible policy of insurance issued by AAI Limited ABN 48 005 297 807 AFSL 230859 trading as Suncorp Insurance. Discount will be applied upon purchase of the new eligible policy of insurance and subtracted from the price of the premium. If you’re eligible for more than one discount, we apply any subsequent discount to the already discounted premium (usually before adding 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 insure you for bushfire, storm, storm surge, flood or tsunami in the first 72 hours of your policy. Very limited exceptions apply.

For full details of the covers, limitations, exclusions and conditions contained within Suncorp Contents Insurance, please read the Suncorp Contents Insurance Product Disclosure Statement. The Target Market Determination is also available.

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.

Motor burnout

Covers the burning out or fusing of electric motors that are part of your household equipment or appliance which are part of your contents and where the motor is equal to or less than 10 years old. This includes the motor in things like portable air conditioning units, washing machines and fridges. An extra premium applies if you choose to add this to your Classic cover while if you have Classic Extras or Classic Advantages it is automatically included in your cover. This optional cover has its own excess, and the standard excess does not apply.

Accidental glass breakage

This covers things like fixed glass in windows, doors, skylights, shower-bath combos, toilets, basins, baths and the glass that forms part of a fixed cooking or heating appliance.

It doesn’t cover ceramic tiles, drinking glasses or glass that is part of things like vases, ornaments or light globes.

Accidental damage at the home

We’ll cover loss or damage to your contents that occurs without intent e.g. losing, breaking or damaging something, up to the contents sum insured. For example, accidentally dropping a ring down the drain and you’re unable to retrieve it.

Automatically included with Classic Extras and Classic Advantages.

Safety Net

If you choose to include the Safety Net feature you’ll be covered for up to a further 25% or 30% of the home sum insured towards the unexpected rising costs of repairing or rebuilding your home when you make a claim.

For example:

  • if your sum insured is $400,000 and you have a 25% Safety Net, you’ll be covered for up to a further $100,000 (or $500,000 in total) towards repairing or rebuilding your home; or
  • if your sum insured is $400,000 and you have a 30% Safety Net, you’ll be covered for up to a further $120,000 (or $520,000 in total) towards repairing or rebuilding your home.

Personal valuables

Personal valuables are some of the valuable things you might leave the house with. It’s things like your mobile phone, camera, laptop, or tablet. It also includes bicycles (as long as you’re not racing or pace making).

With personal valuables, the items are covered anywhere in Australia and New Zealand.

You can choose whether to specify the items so as to cover them up to a specified value, or if you’re happy to have unspecified cover, we pay up to $1,000 per item.

Temporary accommodation

If your home is damaged by one of our insured events, and we agree it cannot be lived in, we’ll pay for reasonable temporary accommodation costs for you, as well as boarding for your pets, until you can move back in. Please read the PDS for full details on the maximum period we will pay for your accommodation.

Accidental damage at the home

This covers loss, breakage or damage to something by accident at home. For example: dropping, knocking over or spilling something without intent. 

Removal of debris

We'll cover the cost to dispose of your damaged contents after an event that we cover.

Food and medication spoilage

We’ll cover spoilage of refrigerated food, frozen food and refrigerated medicines. Limits, exclusions and conditions apply.

Contents in transit

We'll give you limited cover for your contents when moving from one home to another.

Supplementary living expenses

We'll cover you for reasonable increases in your normal living expenses to maintain your normal standard of living following an event that we cover if, as a result of the event, your insured address cannot be lived in.

Injury to pet dogs and cats

If a pet dog or cat shown on your certificate of insurance is injured in an incident, we’ll pay for necessary veterinary treatment (up to $2000 per accident). Extra premium and injury to pet dogs and cats excess will apply.

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.