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What is Contents Insurance for Renters?
If you’re renting, whether it’s an apartment, unit, house or townhouse, you probably don’t need to insure the building — your landlord should have that sorted. But you may still want cover for your contents, so you can repair or replace them if they’re stolen or damaged. Suncorp Contents Insurance can help.
What events are covered by Suncorp Contents Insurance?
Suncorp Contents Insurance can help you out in a broad range of scenarios.
Flood
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.
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.
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 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.
Explosion
We cover loss or damage caused by an explosion but we do not cover the cost of repairing or replacing the item that exploded.
Escape of liquid e.g. burst pipe
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 aquarium.
We do not cover the cost of fixing the leak itself, or water damage caused by wear, tear and gradual deterioration. See the PDS for more details on what we don't cover.
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.
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.
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. Very limited exceptions apply.
Optional covers with Suncorp Contents Insurance
Add any or all of these to your policy to get coverage that suits you.
Personal valuables
Covers stuff like phones, tablets and jewellery, whether they’re lost or damaged at home or while out and about. Worried about leaving your phone on the train, or dropping that fancy watch? This is for you.
Accidental damage at the home
This provides cover for things like cracked TV screens, broken lamps, and fridges damaged by spoiled food.
Motor burnout
Covers the burning out or fusing of electric motors in appliances that are and equal to or less than 10 years old. If you’ve ever had to deal with a busted motor in a fridge or washing machine, you know this could be handy.
Motor burnout excess applies instead of the Standard excess (plus any other applicable excess)
Injury to pet dogs and cats
If you’re worried about your furry friend being accidentally injured, this optional cover might help you sleep a little easier.
Limits, exclusions and conditions apply to these optional covers. Check out the PDS for more details.
Need help deciding?
You can compare each level of Suncorp Contents Insurance to help you decide with confidence.
How renters can save on Suncorp Contents Insurance
Buy online
Get $50 off Suncorp Contents Insurance if you get a quote and purchase your policy online. FYI, the price shown online will include the discount.
Vary your excess
You can reduce your premium payments by agreeing to pay more in excess if you need to make a claim.
Combine your policies
If you have 3 or more eligible policies with Suncorp Insurance, you could save 15% on your premiums^.
Show us your seniors card
If you have a Queensland Seniors Card, you may be eligible for a discount off your premiums.
If you’re eligible for more than one discount, we apply each in a predetermined order to the already discounted premium.
Learn more about ways you can save with Suncorp Insurance!
Making a claim is simple
If your contents are damaged by an insured event, it’s quick and easy to make a claim.
1. Preparation.
Grab your policy number (easily done via the Suncorp App!) and details of the event. Photos can help.
2. Lodgement.
Lodge your claim online or via the Suncorp App anytime. If we need more info, we’ll reach out within 2 business days.
3. Assessment
Someone from our claims team will assess the damage to your contents.
4. Tracking.
You can track the progress of your claim online or via the app at any time.
5. Settlement.
If your claim is approved, we’ll arrange for repair, replacement or cash settlement as quickly as we can.
Renters Insurance Insights
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Frequently asked questions
Your sum insured is the most we’ll pay for any one incident, unless stated otherwise in the PDS. It should reflect what your contents would cost to replace if something happens to them. It can be tricky to figure out, but our Contents Insurance Calculator can help.
For insurance purposes, your contents are households items that:
- you own or are responsible for,
- aren’t part of the building, and
- you use primarily for domestic purposes.
So if it’s yours, it’s not for work and you’d likely take it with you when you move, it probably counts as contents. This can include furniture, appliances, clothing — all sorts of things. It can also include portable items like your smartphone or tablet, if you take up the optional portable valuables cover.
Limits, exclusions and conditions apply, so make sure you check out the PDS for the full details.
Each of Suncorp's insurance products utilise a five-stage product lifecycle (Design, Delivery, Review, Enhance/Modify and Decommission). This approach allows us to put you, the customer, at the centre of our product development and distribution.
*The Reward and Recognition program (“Suncorp Benefits”) is being operated by Loyalty Corp Australia Services Pty Ltd ABN 39 615 958 873. View terms and conditions.
#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.
Insurance is issued by AAI Limited ABN 48 005 297 807 trading as Suncorp Insurance. Information provided is general advice only and has been prepared without taking into account any person's particular objectives, financial situation or needs. Please read the relevant Product Disclosure Statement before making any decision regarding this product.
^15% Multi Policy Discount: Combine 3 or more eligible products with us and you could qualify for a 15% Multi-Policy Discount. Eligible policies are Suncorp Home, Contents, Landlord, Car, Motorcycle, Caravan (including trailer), Motorhome and Boat. Suncorp QLD CTP Insurance counts as an eligible policy, but it cannot be discounted due to government regulations. Refer to the relevant motor or home PED guide for more details. Discounts do not apply to Suncorp Roadside Assist, Suncorp Insurance Home Assist and Excess-free Glass optional covers. View full terms and conditions.
This content applies to new policies and renewal policies with a start date on or after 25 March 2021. For full details of the covers, limitations, exclusions and conditions contained within Suncorp Contents Insurance, please read the Suncorp Contents Insurance Product Disclosure Statement.
New for old replacement
‘New for old’ means we rebuild, replace or repair with new items or new materials that are available at the time of replacement or repair from Australian suppliers. Limits, exclusion and conditions apply. Refer to the PDS for further information.
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.
Motor burnout
Covers the burning out or fusing of electric motors in appliances that are and equal to or less than 10 years old. If you’ve ever had to deal with a busted motor in a fridge or washing machine, you know this could be handy.
Motor burnout excess applies instead of the Standard excess (plus any other applicable excess)
Flood
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
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.
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.
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 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.
Explosion
We cover loss or damage caused by an explosion but we do not cover the cost of repairing or replacing the item that exploded.
Escape of liquid e.g. burst pipe
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 aquarium.
We do not cover the cost of fixing the leak itself, or water damage caused by wear, tear and gradual deterioration. See the PDS for more details on what we don't cover.
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 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.
Safety Net
If you choose to include the Safety Net feature you’ll be covered for up to 25% or 30% extra towards the unexpected rising costs of repairing or rebuilding your home when you make a claim.
For example:
- if your sum insured is $400,000 and you have a 25% Safety Net, you’ll be covered for an additional $100,000 (or $500,000 in total) towards repairing or rebuilding your home; or
- if your sum insured is $400,000 and you have a 30% Safety Net, you’ll be covered for an additional $120,000 (or $520,000 in total) towards repairing or rebuilding your home.
Personal valuables
Personal valuables are some of the valuable things you might leave the house with. It’s things like your mobile phone, camera, laptop, or tablet. It also includes bicycles (as long as you’re not racing or pace making).
With personal valuables, the items are covered anywhere in Australia and New Zealand.
You can choose whether to specify the items so as to cover them up to a specified value, or if you’re happy to have unspecified cover, we pay up to $1,000 per item.
Temporary accommodation
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.
Flood
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.
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.
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.
Escape of liquid e.g. burst pipe
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 aquarium.
We do not cover the cost of fixing the leak itself, or water damage caused by wear, tear and gradual deterioration. See the PDS for more details on what we don't cover.
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 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.
Safety Net
If you choose to include the Safety Net feature you’ll be covered for up to 25% or 30% extra towards the unexpected rising costs of repairing or rebuilding your home when you make a claim.
For example:
- if your sum insured is $400,000 and you have a 25% Safety Net, you’ll be covered for an additional $100,000 (or $500,000 in total) towards repairing or rebuilding your home; or
- if your sum insured is $400,000 and you have a 30% Safety Net, you’ll be covered for an additional $120,000 (or $520,000 in total) towards repairing or rebuilding your home.
Personal valuables
Personal valuables are some of the valuable things you might leave the house with. It’s things like your mobile phone, camera, laptop, or tablet. It also includes bicycles (as long as you’re not racing or pace making).
With personal valuables, the items are covered anywhere in Australia and New Zealand.
You can choose whether to specify the items so as to cover them up to a specified value, or if you’re happy to have unspecified cover, we pay up to $1,000 per item.
Temporary accommodation
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.
Removal of debris
We'll cover the cost to dispose of your damaged contents after an event that we cover.
Food and medication spoilage
We’ll cover spoilage of refrigerated food, frozen food and refrigerated medicines. Conditions apply.
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)
Substantially Damaged
When your home is substantially damaged by an insured event (meaning the cost for us to repair is at least $50,000 or 10% of your home sum insured, whichever is more). Please Refer to PDS for Full Details.
