Compare Contents Insurance

Protection for your most important items. Compare our 3 levels of cover for the contents of your home

Save $50 off

when you buy a new policy online*

Covers and benefits

Classic

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Classic Extras

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Classic Advantages

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Cover for the loss or damage to the contents of your home from events such as floods, storms, fires and theft. #^

Optional

Optional

Optional

Optional

Optional

Automatically included

Automatically included

Optional

Automatically included

Automatically included

Optional

Optional

Optional

Up to 10% of general contents sum insured

Up to 10% of general contents sum insured

Up to 10% of general contents sum insured

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

Up to $20,000

Up to $20,000

Up to $20,000

$5,000

$5,000

$5,000

Up to $500

Up to $1,000

Up to $2,000

Up to $1,000

Up to $1,500

Up to $1,500

Up to $2,000

Up to the general contents sum insured

Up to the general contents sum insured

Up to the general contents sum insured

Up to $500

Up to $1,000

Up to $2,000

Up to $500

Up to $1,000

Up to $2,000

Up to 25% of the general contents sum insured for up to 180 days unless they are stored in a bank deposit box

Up to 30% of the general contents sum insured for up to 180 days unless they are stored in a bank deposit box

Up to 35% of the general contents sum insured for up to 180 days unless they are stored in a bank deposit box

Up to the general contents sum insured

Up to the general contents sum insured

Up to the general contents sum insured

Up to 12 weeks 

Automatically included

Automatically included

Automatically included

Contents with fixed limits

Some contents items have fixed limits in the home. You can increase your limit by selecting a higher level of cover.

Classic

Classic Extras

Classic Advantages

Tools of trade and equipment used for a business activity (not ‘Home office equipment’)

Classic

Up to $1,000 in total

Classic Extras

Up to $2,000 in total

Classic Advantages

Up to $5,000 in total

Refrigerated food, frozen food and medicines

Classic

Up to $500 in total

Classic Extras

Up to $1,000 in total

Classic Advantages

Up to $2,000 in total

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.

Contents with flexible limits

Some contents have flexible limits in the home. You can choose a higher level of cover to increase the limit or you can choose to specify these items individually for their full replacement value.

Classic

Classic Extras

Classic Advantages

Jewellery and watches

Classic

$2,000 per item or set up to $4,000 in total

Classic Extras

$3,000 per item or set up to $10,000 in total

Classic Advantages

$10,000 per item or set up to $40,000 in total

Carpets or rugs that are handwoven

Classic

$2,000 per item

Classic Extras

$5,000 per item

Classic Advantages

Contents sum insured

Paintings, pictures, works of art, antiques, sculptures, ornaments and art objects

Classic

$10,000 per item or set up to $50,000 in total

Classic Extras

$20,000 per item or set up to $80,000 in total

Classic Advantages

$200,000 in total

Classic

$2,000 per item

Classic Extras

$5,000 in total

Classic Advantages

$50,000 in total

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.

Want to know more?

This is just a summary, for full details of what is and isn't covered please refer to the Home & Contents Insurance Product Disclosure Statement (PDS). The Target Market Determination is also available.

*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