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- Home
- Insurance
- Home Insurance
- Home Building
- Comparison
Features and benefits
Classic
Classic Extras
Classic Advantages
Cover for loss or damage to your home, garages and sheds from events such as floods, storms, fires and theft#
Classic
Classic Extras
Classic Advantages
Classic
Optional
We pay up to a further 25% of the home sum insured
Classic Extras
Automatically included
We pay up to a further 25% of the home sum insured
Classic Advantages
Automatically included
We pay up to a further 30% of the home sum insured
Classic
Optional
Classic Extras
Automatically included
Classic Advantages
Automatically included
Classic
Optional
Classic Extras
Automatically included
Classic Advantages
Automatically included
Classic
10% of the home sum insured up to a period of 12 months
Classic Extras
10% of the home sum insured up to a period of 12 months
Classic Advantages
10% of the home sum insured up to a period of 12 months
Classic
Classic Extras
Up to $1,500
Classic Advantages
Up to $2,000
Classic
10% of the home sum insured
Classic Extras
15% of the home sum insured
Classic Advantages
20% of the home sum insured
Classic
10% of the home sum insured
Classic Extras
15% of the home sum insured
Classic Advantages
20% of the home sum insured
Classic
Classic Extras
$500 per quarter for up to 4 quarters
Classic Advantages
$750 per quarter for up to 4 quarters
Classic
Classic Extras
Up to $1,000
Classic Advantages
Up to $2,000
Classic
Up to $2,500 of your net costs
Classic Extras
Up to $3,500 of your net costs
Classic Advantages
Up to $5,000 of your net costs
Classic
Up to $1,000
Classic Extras
Up to $1,500
Classic Advantages
Up to $2,000
Classic
Up to $500
Classic Extras
Up to $1,000
Classic Advantages
Up to $2,500
Classic
Classic Extras
Classic Advantages
Up to $2,500
Classic
Up to $1,500
Classic Extras
Up to $2,000
Classic Advantages
Up to $2,500
Classic
Classic Extras
Classic Advantages
Up to 12 weeks
Classic
Up to $5,000
Classic Extras
Up to $7,500
Classic Advantages
Up to $10,000
Classic
Up to $5,000
Classic Extras
Up to $5,000
Classic Advantages
Up to $5,000
Classic
Up to $15,000
Classic Extras
Up to $20,000
Classic Advantages
Up to $20,000
Damage from physical injury or incident
We’ll cover you for loss or damage to and /or soiling of your contents as a result of physical assaults or death.
Fatal injury compensation
We’ll make a payment to your estate if you die within 12 months as a direct result of an event we cover occurring that also resulted in a claim for damage to your home being accepted.
Prevention of access when you have home cover
We’ll cover your reasonable temporary accommodation costs if your home becomes inaccessible from an incident such as burst water main (see PDS for full list of incidents).
Removal of debris
We’ll cover the cost to demolish and remove damaged parts of your home and remove debris from your insured address after an insured event.
Accidental damage at the home
We’ll cover loss or damage to your home that occurs without intent e.g. losing, breaking or damaging something.
Safety net home protection
This provides a buffer if the cost of repairing or replacing your home is more than the amount you insured it for. For example, with a 25% Safety Net, if your sum insured is $400,000, we’ll cover you for an additional $100,000 for a total of $500,000. An extra premium applies if you choose to add this option to your Classic cover, but if you choose Classic Extras or Classic Advantages cover, Safety Net is included automatically.
Prevention of access
We’ll cover your reasonable temporary accommodation costs if your home becomes inaccessible from an incident such as burst water main (see PDS for full list of incidents).
Exploratory costs where leak is not covered under insured event ‘Escape of liquid’
We’ll cover your costs to locate the source of liquid escaping or overflowing at the home and to repair and restore the damage to your home caused by exploratory work.
Security attendance fees
We’ll cover the fees charged by your security provider to respond to your monitored alarm if activated by a break in or attempted break in. Conditions apply.
Lock replacement
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.
Mortgage discharge costs
If we pay a claim for your home to a credit provider that fully repays your home loan we’ll pay the administrative and legal costs of discharging the mortgage or deleting the mortgagee from your home’s land title.
Environmental improvements
We’ll contribute to the costs associated with purchasing and installing environmental improvements such as rainwater tanks, solar systems or compost equipment. Conditions apply.
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.
Other repair/rebuilding costs
When we rebuild or repair your home we’ll cover extra costs for: the services of professionals such as architects or surveyors; temporary work required to make your home safe; and ensuring the damaged parts of your home comply with current building regulations.
Removal of debris
We’ll cover the cost to demolish and remove damaged parts of your home after an insured event.
Energy costs for loss of supply of renewable energy
If an event that we cover damages your home and we have accepted a claim and your green energy generation equipment is also damaged at the same time we’ll cover the increase in your electricity costs that you incur due to the damage to the green energy generation equipment.
Storage of undamaged contents
We’ll cover the cost of storing undamaged contents after an insured event.
Temporary accommodation costs
We’ll cover temporary accommodation costs if you aren’t able to live in your home due to an event that we cover causing damage to your home and making it unliveable. Conditions apply.
Personal valuables
You can cover your personal items that you would normally carry with you away from your home, such as jewellery, mobile phones and laptops. Check the PDS for the full list of items and how you can cover them.
Safety net home protection
If the cost to repair or replace your home is more than the sum insured you nominated by having this option on your policy we will pay an additional percentage of your home sum insured to repair or replace your home or pay you what it would have cost us to do this.
For example, with Safety net home protection on a Classic policy with a home sum insured of $400,000, we’ll pay up to a further 25% of your home sum insured (up to $100,000) towards the repair or replacement costs. An extra premium applies if you choose to add this to your Classic cover while if you have Classic Extras or Classic Advantages it is automatically included in your cover.
Collections, sets and memorabilia
Including stamps, stamp collections, collectors’ pins, medals and collectors’ non-negotiable currency.
Prevention of access when you have contents cover
We’ll cover your reasonable temporary accommodation costs if your home or unit becomes inaccessible from an incident such as a burst water main (see PDS for full list of incidents).
Contents in commercial storage
We’ll extend your contents cover to cover your contents stored in a secure commercial storage facility for loss or damage caused by an event we cover. Conditions apply.
Contents temporarily removed
We’ll cover your contents for loss or damage by an event we cover if they are temporarily removed to another residence in Australia in which you are temporarily residing (such as a hotel), or in a bank deposit box and an event occurs at this new location.
Financial transaction card cover
We’ll cover your loss if your credit cards or other financial transaction cards are stolen from the home and used fraudulently. Conditions apply.
Visitors’ contents
We’ll cover loss or damage to contents owned by invited visitors caused by an event we cover. Conditions apply.
Food and medication spoilage
We’ll cover spoilage of refrigerated food, frozen food and refrigerated medicines. Conditions apply.
Identity theft
We’ll cover costs to assist in re-establishing your personal credit history if you have been the victim of identity theft during the period of insurance.
Damage from physical injury or incident
We’ll cover you for loss or damage to and /or soiling of your contents as a result of physical assaults or death.
Contents in transit
We’ll give you limited cover for your contents when moving from one home to another.
Supplementary living expenses
We’ll cover you for reasonable increases in your normal living expenses to maintain your normal standard of living following an event that we cover if, as a result of the event, your insured address is unliveable.
Contents on common property
We’ll cover contents attached to common areas if your contents are insured in a unit.
Extra costs to re-establish important documents
If we accept a claim under your contents cover, we’ll cover your costs to replace documents, such as passports and licences, if they are also lost or damaged as a result of the event that occurred.
Fatal injury compensation
We’ll make a payment to your estate if you die within 12 months as a direct result of an event we cover occurring that also resulted in a claim for damage to your contents being accepted.
Paraplegia or quadriplegia assistance
We’ll pay reasonable and necessary costs to modify your home or assist you to relocate to a new residence if you are injured as a direct result of an event that we cover where we have accepted a claim to your home for that event.
Removal of debris
We’ll cover the cost to dispose of your damaged contents after an event that we cover.
Temporary accommodation for tenants or strata title owners
We’ll cover temporary accommodation costs if you aren’t able to live at the insured address due to an event that we cover causing damage to the home and making it unliveable. Conditions apply.
Injury to pet dogs and cats
If a pet dog or cat shown on your certificate of insurance is injured in an accident, we’ll pay for necessary veterinary treatment.
Motor burnout
We cover 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. An extra premium applies if you choose to add this to your Classic cover while if you have Classic Extras or Classic Advantages it is automatically included in your cover.
Accidental damage at the home
We’ll cover loss or damage to your contents that occurs without intent e.g. losing, breaking or damaging something.
Portable advantages
Cover your contents for accidental loss or damage anywhere in Australia or New Zealand. We don’t offer this feature online – call us on 13 11 55 to find out more.
Personal valuables
Cover for personal valuables you would normally carry with you away from your home, such as jewellery, mobile phones and laptops. Check the PDS for the full list of items and how you can cover them.
Legal liability
We’ll cover your legal liability to pay compensation for death or bodily injury to other people; or loss or damage to their property which happens at the insured address in connection with your building, your contents or common areas.
Accidental damage at the property
We’ll cover loss or damage to your property or contents that occurs without intent e.g. losing, breaking or damaging something. Conditions apply.
Motor burnout
We’ll cover the repair or replacement of burnt out or fused electric motors less than 10 years old, such as in the refrigerator, pool pump and washing machine. Available for both property and contents covers.
Safety net protection
If the cost to repair or replace your property is more than the sum insured you nominated by having this option on your policy we will pay an additional percentage of your property sum insured to repair or replace your property or pay you what it would have cost us to do this.
Accidental damage at the home
We will cover loss or damage that occurs without intent (i.e. losing, breaking or damaging something)
Net costs
Net cost is the amount you spend after deducting any government subsidy to which you are entitled to at the date of the loss, whether you claim this subsidy or not. You must supply us with proof of the amount you spent before we will pay you.
Want to know more?
This is just a summary, for full details of what is and isn't covered please refer to the Home Building Insurance Product Disclosure Statement (PDF)
Windscreen and window glass cover
When the only damage to your car is the windscreen or window glass, we’ll cover the cost to repair or replace it without you having to pay an excess for the first claim in the period of insurance.
Hire car after an event up to 14 days
We‘ll pay the reasonable cost of a compact category hire car for up to 14 days if your car has been stolen or damaged in an insured incident. Conditions apply.
Hire car after an event for unlimited days
We’ll cover the daily hire cost of a similar make and model hire car following an approved claim up to $90 a day for unlimited days while your car is being repaired or replaced or until your car is returned.
Lifetime new for old car replacement
If you continuously insure your new car with us on Comprehensive Advantages from within 13 months of your car’s purchase and you are the first registered owner, if it’s ever written off, we’ll replace your car with a new car of same make or model or in our opinion a similar make or model to your car. Other conditions apply.
Lifetime repair guarantee
For repairs we authorise, the quality of the materials and workmanship are guaranteed for the life of your car, even if you no longer own it.
Two-wheel trailer cover
Up to $1,000 to cover accidental loss or damage to your two-wheel trailer when it’s attached to your car.
Personal property
We’ll cover personal property for up to $500 when lost, stolen or damaged in an incident at the same time as your car (conditions apply)
Locks and keys
Cover for up to $1,000 to replace stolen car keys and recode your car’s locks.
Emergency travel accommodation and repairs
Up to $500 for emergency travel and accommodation costs and up to $500 for emergency repairs.
Hire car after theft for up to 14 days
We’ll cover the daily hire cost of a compact category hire car following theft, or attempted theft for up to 14 days following an approved claim. Conditions apply.
7 day repair guarantee
We’ll repair your comprehensively insured car within 7 days if you can safely drive to a Suncorp assessment center following an approved claim. If we don’t, we’ll cover the daily hire cost of a compact category hire from the 8th calendar day until your car is repaired. Some claim types excluded.
2 year new for old car replacement
If your car is written off or stolen, is less than two years old and you’re the first registered owner, we’ll replace it with a new one of a similar make or model if available.
