Home Building Insurance

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SAVE $50 OFF

when you get a quote and buy online*

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 Insurance App. Whichever you choose, you'll enjoy local expertise every step of the way.

Get a quote online in about 5 minutes.

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What does Building Insurance cover?

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.
For more details, check out our Visual Guide to Home & Contents Insurance.

^We do not insure you for bushfire, storm, storm surge, flood or tsunami in the first 72 hours of your policy.
Very limited exceptions apply. Read the PDS for more details.

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. The Target Market Determination is also avilable.

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 cannot be lived in due to an insured event, we’ll cover reasonable temporary accommodation costs in residential accommodation of a similar standard to your home.

Lock replacement

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

 

Temporary accommodation - Up to 10% of your home sum insured if your home is damaged and cannot be lived in

 

$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 cannot be lived in due to an insured event, we’ll cover reasonable temporary accommodation costs in residential accommodation of a similar standard to your home.

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

Covers the burning out or fusing of electric motors that are part of your home and equal to or 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).

Motor burnout excess applies instead of the standard excess (plus any other applicable excess).

 

Temporary accommodation - Up to 10% of your home sum insured if your home is damaged and cannot be lived in

 

$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 cannot be lived in due to an insured event, we’ll cover reasonable temporary accommodation costs in residential accommodation of a similar standard to your home.

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

Covers the burning out or fusing of electric motors that are part of your home and equal to or 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).

Motor burnout excess applies instead of the standard excess (plus any other applicable excess).

 

Temporary accommodation - Up to 15% of your home sum insured if your home is damaged and cannot be lived in

 

$2,500 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

Covers the burning out or fusing of electric motors that are part of your home and equal to or 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).

Motor burnout excess applies instead of the standard excess (plus any other applicable excess).

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)

Excess-free glass

NEW Optional for all levels of cover

Suncorp Insurance Home Assist

NEW Optional for all levels of cover

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.

Need a little clarity on your coverage?

Our visual guide to your Home & Contents Insurance can help you find answers to your coverage questions.

Start exploring

Compare our 3 levels of cover

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). Learn more about ways to save with Suncorp Insurance.

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 Insurance 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 cannot be lived in or cannot be re-leased 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

Suncorp Home Insurance Tools

Home Building Calculator

This calculator has some questions included that you may not find in other calculators, which will impact the estimate that is calculated.

HOME BUILDING CALCULATOR
 

Estimate the cost to rebuild

This calculator can help you work out the estimated rebuild cost of your home to help you choose your sum insured.

Suncorp Home Building Calculator

Visual guide to Home & Contents Insurance

Get to know what you're covered for with our easy-to-navigate guide

Start exploring

Home Insurance Insights

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*Offer available only for the purchase of a new eligible policy of insurance issued by AAI Limited ABN 48 005 297 807 AFSL 230859 trading as Suncorp Insurance. Discount will be applied upon purchase of the new eligible policy of insurance and subtracted from the price of the 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).

#Actions or movements of the sea and loss or damage caused by storm surge (unless the storm surge damage occurs at the same time as damage caused by a storm) are not covered. We don't cover retaining walls or flood damage to wharves, jetties, pontoons, other exclusions apply.

^We do not insure you for bushfire, storm, storm surge, flood or tsunami in the first 72 hours of your policy. Very limited exceptions apply.

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. The Target Market Determination is also available.

Home Building Calculator

This calculator has some questions included that you may not find in other calculators, which will impact the estimate that is calculated.

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.

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 cannot be lived in due to an insured event, we’ll cover reasonable temporary accommodation costs in residential accommodation of a similar standard to your home.

Motor burnout

Covers the burning out or fusing of electric motors that are part of your home and equal to or 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).

Motor burnout excess applies instead of the standard excess (plus any other applicable excess).

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.

Substantially Damaged

When your home is substantially damaged by an insured event (meaning the assessed quote to repair or rebuild is at least $50,000 or 10% of your home sum insured, whichever is more). Please refer to PDS for full Details.

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

Storm means a storm, cyclone or severe atmospheric disturbance. It 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, structural fault or design fault.

Riot and civil commotion

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.

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.

Fire

Loss or damage caused by fire (includes bushfire) and heat, ash, soot and smoke that is a direct result of a fire within 100 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 by a home heater or cooking appliance is covered if a fire spreads from the initial source.

If there is a bushfire in your area, we also cover the cost of replacing water in any tank, container, pool, spa and any other storage vessel, even if there is no physical damage to your property. The most we will pay is $1,000.

Theft and 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.

Explosion

We cover loss or damage caused by an explosion but we don't cover the cost of repairing or replacing the container or tank that exploded.

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.

Malicious acts

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 or is staying at the insured address or who entered the insured address with your consent.

Damage by animal

This covers loss or damage caused by an animal that becomes accidentally trapped inside your home.

We don't cover damage caused by any animal you own or are responsible for, or has been allowed onto the insured address, or damage caused by insects, vermin or rodents (unless the damage they caused is covered under fire or escape of liquid).

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.

Escape of liquid

This covers damage caused by liquid leaking, overflowing or bursting from things like your fridge, washing machine, bath (but not shower), toilet, fixed pipes (except agricultural pipes), swimming pool, water main, fixed cooling system or an aquarium.

We do not cover the cost of fixing the leak itself, wear, tear and gradual deterioration or loss or damage as a result of a gradual process of liquid leaking, splashing, dripping or overflowing. See the PDS for more details on what we don't cover.