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Home & Contents Insurance

$100 discount when you quote and buy online

Customer Rewards

Take out an eligible policy and you can save up to 15% off at selected retailers with Suncorp Benefits.

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. 

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

Top features:

Regular cover

Classic

Mid-range cover

Classic Extras

Our Top Cover

Classic Advantages

Optional

Tick

Tick

Safety Net
Protection against underinsurance

Optional
home sum insured + 25% extra

Tick

home sum insured + 25% extra

 

Tick

home sum insured + 30% extra

 

Personal valuables
E.g. mobile phone, laptop, bicycle

Optional

Optional

Optional

Tick

Up to 12 months

(and up to 10% of home sum insured)

Tick

Up to 12 months

(and up to 10% of home sum insured)

Tick

Up to 24 months

(and up to 10% of home sum insured)

Optional

Tick

Tick

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

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

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

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.

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 becoming unliveable after an insured event.

Find out more

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.

Find out more

What makes Suncorp different?

Insuring Australian for more than 90 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.

Protecting the North

Community Work

Suncorp is an award-winning insurer

Mozo Experts Choice 2018 Insurer of the year

Insurer of the year

2018

Mozo Experts Choice 2018 Exceptional Quality Home and Contents Insurance

Exceptional Quality

Classic Advatanges Home Insurance

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.

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). 

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).