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Home & Contents Insurance
What is home and contents insurance?
Home and contents insurance covers your house and possessions against damage caused by an insured event such as fire, flood, storm or theft. It includes new for old replacement and the option to cover personal valuables like your mobile phone, laptop, or bicycle (if not racing or pace-making).
What Suncorp Home and Contents Insurance covers
Every policy covers these insured events as standard. See examples of what we cover and do not cover for each event and read the PDS for full details.
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
A storm 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 rather than erosion over time 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 at the insured address without consent e.g. if an animal becomes accidentally trapped inside the home.
It doesn’t cover damage caused by animals owned by you or that you are responsible for or damage caused by insects, vermin or rodents (unless also covered under events of 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 don’t cover the cost of reparing or replacing the container or tank that exploded.
Escape of liquid e.g. burst pipe
This covers the sudden liquid leaking, overflowing or bursting from things like your fridge, washing machine, bath, toilet, fixed pipes (except agricultural pipes), gutters, swimming pool, water main, fixed cooling system or an aquarium.
We don’t cover damage caused by wear and tear or the gradual leaking of liquid when you’d be reasonably expected to be aware of the condition.
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.
We do not insure you for bushfire, storm, flood or tsunami in the first 72 hours of your policy. Very limited exceptions apply. Read the PDS for more detail.
Choose from 3 levels of Home and Contents Insurance
This is a summary only. For full details of what is and isn’t covered, covered or not covered, please read the PDS.
Get a quote for Home and Contents Insurance now
A quote includes a price for all 3 levels of cover - choose the one that best suits your needs
How to save on your Home Insurance
15% multi-policy discount
Combine any 3 or more eligible policies to get a 15% multi-policy discount
$100 online discount
Receive $100 off the premium when you buy your policy online today
6% seniors discount
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 any subsequent discount to the already discounted premium (usually before adding taxes and charges). Minimum premiums may apply.
Latest offers from Suncorp
Explore our Home Services
We are here to help with more than just your insurance and banking needs. We can help connect you to tradespeople, specialist service providers and resources.
Get everyday discounts with Suncorp Benefits
Eligible Suncorp Customers now have access to Suncorp Benefits! Receive discounts of up to 15% from major retailers so you can save when you shop.
Buying, selling or just curious?
Get the latest estimated market value, sales history, median prices and more via Suncorp Property Explorer. Part of the Suncorp App
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
What is a legal liability cover?
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.*
* This example assumes your claim was not otherwise excluded by your policy.
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 has been unoccupied for more than 60 consecutive days.
This depends on your individual claim and policy. Where we can, we will arrange replacement contents for your lost or damaged belongings. In some cases we may not have a supplier for certain items and we may ask you to provide a replacement quote. If we deem this quote fair and reasonable we will offer you settlement based on that quote. If the cost to replace your contents will exceed the sum insured on your certificate of insurance, we will need to discuss the options with you.
We will utilise our experienced qualified builders that is part of panel. Our builders specialise in all insurance work and we offer a lifetime guarantee on the repairs.
Suncorp Home and Contents Insurance includes cover for home office items at your address, like monitors, desks and chairs. Limits depend on your level of cover, so please refer to ‘Contents with fixed limits’ section of the Product Disclosure Statement to see how much you could be covered for.
If you would like to discuss the coverage of your home office equipment further, please call 13 11 55 or click the chat icon to speak to someone online.
If you’ve taken a work laptop home from your employer’s office, you’re considered to be responsible for it while it’s away from their office. Your work laptop may then be covered by your Home and Contents Insurance.
However, this only extends to cover at home, so if you’re planning on using your laptop elsewhere and would like cover for it, please contact 13 11 55.
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 becoming unliveable after an insured event.
Contents Insurance
Great for renters. We can help replace your contents if lost or damaged by an insured event. Includes the option to add cover for personal valuables e.g. mobile, laptop, bicycle.
Relevant articles, tips and insights
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What makes Suncorp different?
For full details of the covers, limitations, exclusions and conditions contained within Suncorp Home and Contents Insurance please read the Suncorp Home and Contents Insurance Product Disclosure Statement.
*Actions or movements of the sea and storm surge are not covered (unless the storm surge damage occurs at the same time as damage caused by storm). We don't cover retaining walls or flood damage to wharves, jetties, pontoons, other exclusions 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. Some things we don't cover are damage to retaining walls, jetties, pontoons and garden borders.
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
A storm 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 rather than erosion over time or a structural or design fault. Some things we don't cover are damage to retaining walls, jetties, pontoons and garden borders.
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 at the insured address without consent e.g. if an animal becomes accidentally trapped inside the home.
It doesn’t cover damage caused by animals owned by you or that you are responsible for or damage caused by insects, vermin or rodents (unless also covered under events of 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 don’t cover the cost of reparing or replacing the container or tank that exploded.
Escape of liquid e.g. burst pipe
This covers the sudden liquid leaking, overflowing or bursting from things like your fridge, washing machine, bath, toilet, fixed pipes (except agricultural pipes), gutters, swimming pool, water main, fixed cooling system or an aquarium.
We do not cover water damage caused by wear and tear or the gradual leaking of liquid. See PDS for more details.
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 at the time of the loss or damage.
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.
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
A storm 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 rather than erosion over time 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 at the insured address without consent e.g. if an animal becomes accidentally trapped inside the home.
It doesn’t cover damage caused by animals owned by you or that you are responsible for or damage caused by insects, vermin or rodents (unless also covered under events of 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 don’t cover the cost of reparing or replacing the container or tank that exploded.
Escape of liquid e.g. burst pipe
This covers the sudden liquid leaking, overflowing or bursting from things like your fridge, washing machine, bath, toilet, fixed pipes (except agricultural pipes), gutters, swimming pool, water main, fixed cooling system or an aquarium.
We don’t cover damage caused by wear and tear or the gradual leaking of liquid when you’d be reasonably expected to be aware of the condition.
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.
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).
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)
