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Contents Only Insurance
Customer Rewards
Take out an eligible policy and you can save up to 15% off at selected retailers with Suncorp Benefits.
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 a full list of covered items, please check the Product Disclosure Statement (PDS).
Flood
Flood means the covering of normally dry land by water that has escaped or 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.
Fire
Fire means burning with flames. It includes heat, ash, soot and smoke damage to your home from a neighbouring building burning within 10 metres only.
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.
Malicious acts and vandalism
Malicious acts or vandalism includes things like vandals damaging your letterbox or painting graffiti on your home.
It doesn’t include damage by someone who entered the home with your consent.
Impact e.g. fallen tree
Impact covers damage from things like a falling tree, power pole, tv antenna, aircraft, motor vehicle and even space debris.
It doesn’t include damage caused by trees being lopped, felled or transplanted by you or for you.
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 or a structural or design fault.
Theft or 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 after entry from common property, or loss or damage caused by anyone living at the address.
Damage by an 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).
Riot, civil commotion or public disturbance
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 address participated in the disturbance.
Explosion
We cover loss or damage caused by an explosion but we do not cover the cost of repairing or replacing the item that exploded.
Escape of liquid e.g. burst pipe
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 aquarium.
We do not cover the cost of fixing the leak itself, or water damage caused by wear, tear and gradual deterioration. See the PDS for more details on what we don't cover.
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.
Earthquake and tsunami
We cover damage in the first 72 hours following an earthquake or tsunami.
This includes damage caused by a landslide or subsidence within 72 hours of, and directly because of, an earthquake or tsunami rather than erosion over time or a structural or design fault.
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.
Choose from 3 levels of Contents Insurance
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.
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.
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.
How to save on your Contents Insurance
15% multi-policy discount
Combine any 3 or more eligible policies to get a 15% multi-policy discount
$50 online discount
Receive $50 off the normal premium amount when you buy your policy online. Price shown online includes the $50 discount.
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. Learn more about ways to save with Suncorp Insurance.
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
Claims process
If you need to make a claim, rest assured we’ll help you with our local expertise every step of the way.
1. Have your details ready
We’ll need your policy number and details of the event.
2. Lodge a claim 24/7
Claims may be decided instantly. If we need more info we’ll contact you within 2 business days.
3. Track your claim
Track the progress of your claim online at any time.
4. Assessment
A member of our claims team will assess the damage to your home or contents.
5. Finalise your claim
We’ll follow up with you to arrange settlement if your claim is covered and ensure you’re happy with the outcome.
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.
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.
In most circumstances we will use someone from our own network of trusted repairers. By using our selected repairers we're able to offer a lifetime guarantee on the workmanship of our repairs. If you wish to use your own contractor we will need to discuss this with you before a decision can be made.
You must purchase our additional cover for contents in transit and storage to be covered in Australia.
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.
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.
Home Insurance Insights
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Just because you rent doesn’t mean you can’t create a space that feels very much your own. Here, how to add a whole load of personality to your rental property.
Suncorp Contents Insurance Calculator
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.
What makes Suncorp different?
*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.
This content applies to new policies and renewal policies with a start date on or after 25 March 2021. 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)
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.
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.
Flood
Flood means the covering of normally dry land by water that has escaped or 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.
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.
Malicious acts and vandalism
Malicious acts or vandalism includes things like vandals damaging your letterbox or painting graffiti on your home.
It doesn’t include damage by someone who entered the home with your consent.
Impact e.g. fallen tree
Impact covers damage from things like a falling tree, power pole, tv antenna, aircraft, motor vehicle and even space debris.
It doesn’t include damage caused by trees being lopped, felled or transplanted by you or for you.
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 or a structural or design fault.
Theft or 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 after entry from common property, or loss or damage caused by anyone living at the address.
Damage by an 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).
Riot, civil commotion or public disturbance
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 address participated in the disturbance.
Explosion
We cover loss or damage caused by an explosion but we do not cover the cost of repairing or replacing the item that exploded.
Escape of liquid e.g. burst pipe
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 aquarium.
We do not cover the cost of fixing the leak itself, or water damage caused by wear, tear and gradual deterioration. See the PDS for more details on what we don't cover.
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.
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.
Earthquake and tsunami
We cover damage in the first 72 hours following an earthquake or tsunami.
This includes damage caused by a landslide or subsidence within 72 hours of, and directly because of, an earthquake or tsunami rather than erosion over time or a structural or design fault.
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 25% or 30% extra 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 an additional $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 an additional $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.
Motor burnout
Covers the burning out or fusing of electric motors that are part of your home and less than 10 years old. This includes the motor in things like portable air conditioning units, washing machines and fridges (if you have contents cover).
Flood
Flood means the covering of normally dry land by water that has escaped or 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.
Fire
Fire means burning with flames. It includes heat, ash, soot and smoke damage to your home from a neighbouring building burning within 10 metres only.
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.
Malicious acts and vandalism
Malicious acts or vandalism includes things like vandals damaging your letterbox or painting graffiti on your home.
It doesn’t include damage by someone who entered the home with your consent.
Impact e.g. fallen tree
Impact covers damage from things like a falling tree, power pole, tv antenna, aircraft, motor vehicle and even space debris.
It doesn’t include damage caused by trees being lopped, felled or transplanted by you or for you.
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 or a structural or design fault
Theft or 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 after entry from common property, or loss or damage caused by anyone living at the address.
Riot, civil commotion or public disturbance
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 address participated in the disturbance.
Explosion
We cover loss or damage caused by an explosion but we do not cover the cost of repairing or replacing the item that exploded.
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.
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.
Earthquake and tsunami
We cover damage in the first 72 hours following an earthquake or tsunami.
This includes damage caused by a landslide or subsidence within 72 hours of, and directly because of, an earthquake or tsunami rather than erosion over time or a structural or design fault.
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.
Safety Net
If you choose to include the Safety Net feature you’ll be covered for up to 25% or 30% extra 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 an additional $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 an additional $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.
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.
