Your browser version is no longer supported, so you may experience issues while using this site.
Please upgrade to a current browser to enjoy the best experience.

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.

Get a quote now

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.

Classic

Regular Cover

With Classic, you'll get cover for loss or damage caused by a range of events (such as flood, storm, fire, theft and more) and the flexibility to add optional covers.


What's included:

Temporary accommodation

If your home is unliveable due to an insured event, we'll cover temporary accommodation costs in something similar.

Lock replacement

Replacement of your locks if your keys are stolen anywhere in Australia or New Zealand.

 

Up to 1 year temporary accommodation costs if your home is damaged and unliveable

 

$500 lock replacement if your keys are stolen

Plus your choice of optional covers.

View full PDS for details

Classic Extras

MID-RANGE Cover

With Extras cover, you'll get all of the features of Classic Home Building Insurance…


Plus:

Temporary accommodation

If your home is unliveable due to an insured event, we'll cover temporary accommodation costs in something similar.

Lock replacement

Replacement of your locks if your keys are stolen anywhere in Australia or New Zealand.

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. 

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. 

Motor burnout

Cover for electric motors in household equipment and appliances less than 10 years old. 

 

Up to 1 year temporary accommodation costs if your home is damaged and unliveable

 

$1,000 lock replacement if your keys are stolen

 

Safety net up to 25% of the home sum insured

 

Accidental damage at the home

 

Plus your choice of optional covers.

View full PDS for details

Classic Advantages

Top Cover

With Advantages cover, you'll get all of the features of Classic Home Building Insurance…


Plus:

Temporary accommodation

If your home is unliveable due to an insured event, we'll cover temporary accommodation costs in something similar.

Lock replacement

Replacement of your locks if your keys are stolen anywhere in Australia or New Zealand.

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. 

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. 

Motor burnout

Cover for electric motors in household equipment and appliances less than 10 years old. 

 

Up to 2 year temporary accommodation costs if your home is damaged and unliveable

 

$2,000 lock replacement if your keys are stolen

 

Safety net up to 30% of the home sum insured

 

Accidental damage at the home

 

Plus your choice of optional covers.

View full PDS for details

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. 

Accidental damage at the home

Automatically included with Classic Extras and Classic Advantages

Motor burnout

Cover for electric motors in household equipment and appliances less than 10 years old. 

Motor Burnout

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. 

Safety net protection

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

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

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.

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.

Find out more

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.

Find out more

What makes Suncorp different?

Insuring Australians for over 100 years

For nearly a century, Suncorp Insurance has been proud to protect Australian homes. As a company, our purpose is to create a better today for our customers, shareholders, people and communities.

Learn about Suncorp

We value the communities we live and work in

From sponsoring events to volunteering for charities, we're dedicated to empowering local communities and making a real difference in people's lives.

Learn about our partnerships

Get a quote in less than 5 minutes!

Get a Home Building Insurance quote

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)

Refer to the T&Cs.

Live chat

Chat to us online now