Your home is covered with Suncorp Home Building Insurance
Building Insurance can offer cover for your house. Which isn’t just the four walls and a roof you live inside – It’s also permanent indoor fixtures like wall and floor coverings, outdoor fixtures like fences and solar lights, and structures like garages and sheds. If it’d be difficult to move, we probably count it as part of your building.
What Suncorp Home Building Insurance covers
No matter what level of cover you choose, we offer cover for these events.
We do not insure you for bushfire, storm, flood or tsunami in the first 72 hours of your policy. Very limited exceptions apply. For more detail, read the PDS.
Choose from 3 levels of Home Building Insurance
Our top cover
Up to $1,000
Up to $2,000
Up to $500
Up to $1,000
Up to $2,500
Up to 12 months
(and up to 10% of home sum insured)
Up to 12 months
(and up to 10% of home sum insured)
Up to 24 months
(and up to 10% of home sum insured)
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.
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 get a quote online and 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. Learn more about ways to save with Suncorp Insurance.
Latest offers from Suncorp
Get everyday discounts with Suncorp Benefits
Eligible Suncorp customers now have access to Suncorp Benefits! Receive discounts of up to 15% from over 100 retailers so you can save when you shop.
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.
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.
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.
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.
Our Cyclone Resilience Benefit is an insurance premium reduction available to certain Suncorp Home and Landlord Insurance customers with properties located in those parts of northern Australia which are most likely to experience cyclones.
This reduction recognises specific property features and mitigation measures which can help reduce damage to a property during a cyclone as well as the likelihood of making a claim. Eligible customers whose properties have these features and measures can receive a reduction to their premium compared to what they would pay if they did not have the features or mitigation measures.
After the numerous flooding events throughout the country in recent years, it is important that we provide our customers with flood cover even if it is unlikely a flood will occur at their address.
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.*
Legal liability on contents also covers your liability to pay compensation for an incident, which causes death or bodily injury to other people anywhere in Australia or New Zealand. So if you were playing golf at your local golf club and your ball was to strike another player causing injury, the contents 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.
Other Home Insurance products
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.
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.
What makes Suncorp different?
^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 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 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.
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.
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, 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.
Damage to gardens and plants
We’ll cover the cost to replace trees, shrubs, plants, hedges and garden beds if they have been damaged as a result of an event we cover that also caused damage to your home at the same time for which we have accepted a claim.
We’ll cover the costs to replace or recode your home’s external door or window locks if your keys are stolen anywhere in Australia or New Zealand.
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.
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).