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Home Building Insurance
Customer Rewards
Take out an eligible policy and you can save up to 15% off at selected retailers with Suncorp Benefits.
Take the guesswork out of cover for your house
You want the protection that’s right for your property and you want to keep things simple. So when you get a Home Building quote from Suncorp, we give you a choice of three levels of cover. It's an easy way to get the cover that suits you.
And if you ever need to make a claim, we’re available 24/7/365. Call our dedicated claims hotline, claim online or with the Suncorp App. Whichever you choose, you'll enjoy local expertise every step of the way.
Get a quote online in just five minutes.
Real financial protection for your home
Your house is a lot more than four walls and a roof. With Suncorp Home Building Insurance, we cover your home's permanent indoor and outdoor fixtures, like wall and floor coverings, fences, even sheds. If it's difficult to move, we probably count it as part of your building.
Every level of Suncorp Home Building Insurance covers all the insured events listed below.
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.
Fire
Fire means burning with flames. It also includes heat, ash, soot and smoke damage to your home from a neighbouring building burning within 10 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 from 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 caused by someone who lives at the insured address or who entered the insured address with your consent.
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.
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 and not because of 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 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.
Damage by an animal
This covers loss or damage caused by an animal at the insured address that you or anyone at the insured address does not own or are not responsibe for (e.g. if an animal enters the insured address and becomes accidentally trapped inside the home).
It doesn't cover damage caused by insects, vermin or rodents (unless also covered under insured 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 insured 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 a leaking shower floor or base, wear and tear or the gradual leaking of liquid over a period of time.
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 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.
In the first 72 hours of your policy we don't insure you for bushfire, storm, flood or tsunami. Very limited exceptions apply. Read the PDS for more detail.
For a more detailed list of inclusions, please read the Product Disclosure Statement (PDS). If you'd like coverage for your home's contents as well as your house itself, consider Suncorp Home and Contents Insurance.
Choose from three levels of cover
Our Home Building Insurance has three simple cover options. Check out the table below for more detail.
Options for added protection
Accidental damage at the home
Extends your cover to include cover for accidental loss or damage to your home.
Building cover examples:
- tiles when you accidentally drop a saucepan on them
- benchtops when they are scorched by a hot object.
Automatically included with Classic Extras and Classic Advantages
Motor burnout
Cover for electric motors in household equipment and appliances less than 10 years old.
Automatically included with Classic Extras and Classic Advantages
Safety net protection
We will pay up to a further percentage of the home sum insured if the cost of repairing or rebuilding exceeds your home sum insured.
Automatically included with Classic Extras and Classic Advantages
(see table above for safety net percentage details)
For full details of what is and isn’t covered, covered or not covered, please read the PDS.
Get a quote for Home Building Insurance now
You’ll be able to get a Building Insurance quote for all three levels of cover, allowing you to choose the one that best suits your needs.
How you can save
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 premium when you buy your policy online
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. Learn more about ways to save with Suncorp Insurance.
Latest offers from Suncorp
Explore our Home Services
We're 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 24/7
We have a dedicated claims hotline on 13 25 24. You can talk to someone 24 hours a day, every day of the year. Or lodge your claim online or with the Suncorp App. Whatever's easiest for you.
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.
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.
Other Home Insurance products
Landlord Insurance
Protect your investment property from damaging events like floods, storms, fire and theft. Landlord Insurance also covers you for loss of rent if a tenant doesn’t pay or the home becoming unliveable after an insured event.
Contents Insurance
Great for renters, Contents Insurance covers your home's contents if they're lost or damaged by insured events like floods, storms, fire and theft. Plus, you can add extra cover for personal valuables like mobiles, laptops and bicycles.
What makes Suncorp different?
Articles, tips and insights
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Showing 1 of 4 articles
Get a quote in less than 5 minutes!
For full details of the covers, limitations, exclusions and conditions contained within Suncorp Home Building Insurance, please read the Suncorp Home Building Insurance Product Disclosure Statement.
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
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 and not because of 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.
Fire
Fire means burning with flames. It also includes heat, ash, soot and smoke damage to your home from a neighbouring building burning within 10 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 from 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 caused by someone who lives at the insured address or who entered the insured address with your consent.
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.
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 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.
Damage by an animal
This covers loss or damage caused by an animal at the insured address that you or anyone at the insured address does not own or are not responsibe for (e.g. if an animal enters the insured address and becomes accidentally trapped inside the home).
It doesn't cover damage caused by insects, vermin or rodents (unless also covered under insured 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 insured 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 a leaking shower floor or base, wear and tear or the gradual leaking of liquid over a period of time.
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 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.
Accidental damage at the home
Extends your cover to include cover for accidental loss or damage to your home.
Building cover examples:
- tiles when you accidentally drop a saucepan on them
- benchtops when they are scorched by a hot object.
Lock replacement
Replacement of your locks if your keys are stolen anywhere in Australia or New Zealand.
Temporary accommodation
If your home is unliveable due to an insured event, we'll cover temporary accommodation costs in something similar.
Motor burnout
Cover for electric motors in household equipment and appliances less than 10 years old.
Safety net protection
We will pay up to a further percentage of the home sum insured if the cost of repairing or rebuilding exceeds your home sum insured.
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)
