Maintaining a home

Are decks covered by home insurance?

10 February 2023

Our warm climate and culture of beers and barbecues have made decks an integral part of Australian life. But what happens if your deck gets damaged and you need to make a claim? Will it be covered by your home insurance?

When are decks covered by home insurance?

Generally, permanent structures on your property like decks will be covered by your home insurance policy – and that includes any level of Suncorp Home and Contents or Building Only Insurance

Under a Suncorp Home Insurance policy, your deck is covered for loss or damage caused by insured events, including:

  • flood
  • lighting
  • storm (including hail)
  • storm surge
  • fire (including bushfire)
  • earthquake and tsunami
  • theft or burglary
  • escape of liquid
  • impact, and
  • malicious acts and vandalism. 

With our Classic Extras and Classic Advantages policies, you’re also covered for accidental damage around the home – think drops, knocks and spills – and this applies to your deck, too*.

Explore Suncorp Building Insurance 

Does home insurance cover my rotting deck?

No. Home insurance doesn’t cover your property for loss or damage connected to general wear, tear and gradual deterioration. Because of this, home maintenance is super important in making sure your home is covered if you do need to claim for an insured event. 

Does home insurance cover my collapsed deck? 

Home insurance can cover a collapsed deck – it will just depend on what caused it to collapse. If a car or tree impacted your deck and caused it to collapse, you would generally be covered*. But if it collapsed due to poor workmanship or deterioration, you wouldn’t be.

Want to learn more about home insurance? Our interactive insurance guide is a great way to explore what Suncorp Home Insurance can cover. 

Explore our interactive insurance guide

Making a home insurance claim

Before making a home insurance claim, make sure everyone is safe. In an emergency always call 000. If you need temporary emergency repairs done to make you and your household safe, let us know when you make your claim and we’ll send a professional out ASAP. 

Next up, take pictures or videos of the damage to upload with your claim.  

Then, it’s time to claim. Quickly and easily make a claim online or in the Suncorp Insurance App – anywhere, anytime. Here you can upload any relevant photos and documents, and once lodged, we’ll be in touch to progress your claim.

Make a claim online

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*Subject to the terms, conditions and exclusions of your policy.

Insurance issued by AAI Limited ABN 48 005 297 807 trading as Suncorp Insurance. Read the Product Disclosure Statement before buying this insurance. Go to for a copy. Target Market Determination also available. This advice has been prepared without taking into account your particular objectives, financial situations or needs, so you should consider whether it is appropriate for you before acting on it. 

The information is intended to be of general nature only. Subject to any rights you may have under any law, we do not accept any legal responsibility for any loss or damage, including loss of business or profits or any other indirect loss, incurred as a result of reliance upon the information. Please make your own enquiries.