Suncorp Home Insurance

Compare Suncorp Home Insurance features and find out if this is the right policy for you

Suncorp Home Insurance offers a variety of home insurance policies to provide peace of mind to Australian homeowners. You can choose from Home & Contents Insurance, Building Insurance and Contents Only Insurance.

With the right cover in place, you’ll be protected when fire, storm, theft and a wide range of other risks cause loss or damage to your most important assets. With this in mind, it makes excellent financial sense to invest in Suncorp Home Insurance cover for your home and contents. does not currently have access to this home insurance brand. You may wish to compare options available on the home insurance homepage.

Suncorp Home Insurance Cover Options

Suncorp Home & Contents Insurance

This Suncorp policy provides a high level of cover for loss or damage caused by a range of events, including fire, storm, lightning, flood, explosion, accidental breakage of glass and much more. You can also choose from three separate levels of cover - Classic, Extras and Advantages - to create a policy that matches your needs and budget. Up to $20 million of legal liability cover is also included.

This Suncorp Home Insurance policy offers comprehensive cover for your home and your possessions. It protects you against loss or damage caused by:

  • fire
  • storm
  • lightning
  • flood
  • explosion
  • accidental breakage of glass
  • earthquake
  • tsunami
  • impact
  • damage by an animal
  • escape of liquid
  • theft
  • burglary
  • malicious acts of vandalism
  • riot
  • civil commotion
  • public disturbances.

You can also choose from three separate levels of cover:

  • Classic provides lower flexible limits for high-value items
  • Extras includes higher flexible limits and 25% extra cover if required
  • Advantages offers the highest flexible limits and a 30% safety net
  • Up to $20 million of legal liability cover is also included.

Suncorp Building Insurance

As the name suggests, this policy Suncorp Home Insurance offers cover for your home building against several common risks. These include fire, storm, lightning, flood, explosion, accidental breakage of glass and many more, while three levels of cover are again available to suit the differing requirements of Australian homeowners. A lifetime guarantee on authorised home repairs is included in your policy. Up to $20 million of legal liability cover is also included.

Suncorp Building Insurance offers crucial financial protection when your home is damaged or destroyed:

  • fire
  • storm
  • lightning
  • flood
  • explosion
  • accidental breakage of glass
  • earthquake
  • tsunami
  • impact
  • damage by an animal
  • escape of liquid
  • theft
  • burglary
  • malicious acts of vandalism
  • riot
  • civil commotion
  • public disturbances.

Classic cover provides cover for flood and most types of water damage, as well as a lifetime guarantee on authorised home repairs. An Extras policy covers accidental damage and offers a 25% safety net for expensive repairs, while an Advantages policy ups the safety net amount to 30%. Up to $20 million of legal liability cover is also included.

Suncorp Contents Only Insurance

Offering cover for your contents against fire, storm, lightning, explosion, theft, vandalism and many more risks, Suncorp Contents Only Insurance provides financial protection for your treasured possessions. Up to $20 million of legal liability cover is also included, while Suncorp also offers new for old replacement and a 24/7 claims service.

Suncorp Home Insurance covers your contents for loss and damage caused by:

  • fire
  • storm
  • lightning
  • flood
  • explosion
  • accidental breakage of glass
  • earthquake
  • tsunami
  • impact
  • damage by an animal
  • escape of liquid
  • theft
  • burglary
  • malicious acts of vandalism
  • riot
  • civil commotion
  • public disturbances.

Once again there are three levels of cover available, each offering different fixed and flexible limits of cover for your household items. $20 million of legal liability cover is included as well.

Actions of the seaNo
Built in dishwasher covered by contents coverNo
Can customers choose to opt out of flood coverNo
Contents in open air coveredYes
Cover for accidental breakage of glass and ceramicsYes
Cover for contents in transit while movingYes
Cover for domestic workers compensationNo
Cover for petsOptional (extra fee)
Cover for shared householdYes
Cover for specified portable items away from homeOptional (extra fee)
Cover for unspecified portable items away from homeOptional (extra fee)
Cover if thief entered with owners consentNo
Cover only the damaged areaNo
Cover to match the next roomNo
Cover whole room for damage to carpet tiles etcYes
Damage by animalsYes
Days cover for both addresses while moving$14
Extra costs to comply with building regulationsYes
Fire damageYes
Flash flooding stormwater rainfall run offYes
Flood as per the standard definitionYes
Freestanding wallsYes
Funeral expenses if someone dies because of a covered eventYes
Funeral expenses limit$5,000
Fusion or motor burnout coveredOptional (extra fee)
Gates and fences covered for storm damageYes
Jewellery per item limit$1,000
Jewellery total limit$4,000
Landslide caused by a stormYes
Landslide caused by an earthquakeYes
Legal liability millions$20
Lightning incl power surgeYes
Limit for cash$300
Limit for replacing keys and locks500
Limit for visitors contents$500
Liquid escaping such as from a burst pipeNo
Materials to match undamaged parts of homeYes
New for old coverYes
Storm surge caused by seawater simultaneous to a floodNo
Theft of contentsYes
Tools of trade per item limit$1,000
Tools of trade total limit$1,000
Total replacement cover for homeNo
Under insurance protectionOptional (extra fee)
Under insurance protection limit25% of Sum Insured
Vandalism riots and malicious actsYes
Visitors contents coveredYes
Water or liquid damage from pipes tanks pools etcYes
Wind and other storm damageYes
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What general exclusions do I need to know about?

As you would expect, there are a range of circumstances under which Suncorp Home Insurance will not pay your insurance claim. These include:

  • If it results from actions or movement of the sea
  • If it is caused by the gradual effect of aircraft shock waves
  • If it relates to biological, chemical or other pollutants
  • If it is caused by you, or someone else acting on your behalf, breaking the law
  • If it is caused by extensions, renovations or alterations to your home
  • If it is for bushfires, storms, floods or tsunamis in the first 72 hours of cover
  • If it is for chemical damage caused by cleaning
  • If it is for chips and scratches to damaged items
  • If it is caused by a computer virus or computer hacking
  • If it is for confiscation, destruction or damage by a legal authority
  • If it is for consequential loss of any kind
  • If it is for a defect, structural fault or design fault
  • If it is for a deliberate act or omission by you, a family member or someone acting with your knowledge
  • If you fail to take reasonable care of your home or contents
  • If it is for food spoilage
  • If it is for ground movement such as erosion or subsidence, except landslide or subsidence that occurs after specific insured events
  • If it is caused by hazardous materials that were not used or stored lawfully
  • If it is for mechanical or electrical breakdown
  • If it is caused by your failure to comply with building regulations
  • If it is for repairing, replacing or fixing electronic files
  • If it is for the replacement of water in any tank, dam or pool
  • If it is caused by the roots of trees or plants.
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How are the premiums worked out?

The following factors affect the cost of your Suncorp Home Insurance premium:

  • Your sum insured. The higher your sum insured is, the more you can expect to pay for cover.
  • The policy you choose. Choosing a Classic policy will obviously cost you less than if you choose a high-level Advantages policy.
  • Where you live. Some parts of the country are known for their high crime rate, while others are considered to be more prone to damaging storms.
  • Your home. The age of your home, its size and even the materials it is constructed from can all influence the cost of cover.
  • Your contents. If you need Suncorp Home Insurance cover for a selection of high-value items, expect your insurance policy to cost more.
  • Security systems. Having a security system installed at home can reduce the risk of theft or burglary and therefore reduce your premiums.
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Suncorp Home Insurance Excess

Whenever you make a claim on your Suncorp Home Insurance policy you will need to pay an excess. In some cases, you may need to pay more than one excess, though the excesses that apply to your cover will be shown on your certificate of insurance. Your excess will either be deducted from the amount that Suncorp pays you for your claim or you will have to pay it directly to a repairer or supplier.

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How can I pay less for my Suncorp Home Insurance

  • Multi-policy discount. Combine three or more eligible Suncorp Home Insurance products and you could receive a 15 per cent discount on the cost of cover.
  • Online discount. Buying home and contents cover online entitles you to a $100 saving on your premium.
  • Seniors discount. Queensland seniors card holders can also take advantage of a big discount.
  • Flexible excess. If you choose a higher excess - there are a range of options available - you can enjoy a lower premium.
  • Secure your home. If your home has an alarm system in place to deter burglars, it will be cheaper for you to take out home and contents cover.
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How do I make a claim with Suncorp

Suncorp Home Insurance aims to make its claims process as easy and straightforward as possible. Claims can be lodged online or by phoning Suncorp Home Insurance claims department 24 hours a day, any day of the year. Once your claim has been approved, Suncorp can arrange the prompt repair or replacement of your home or contents.

When you make a claim, Suncorp Home Insurance will ask you to provide proof of purchase or evidence of value, such as a receipt or user manual. You’ll also need to provide a full description of every item for which you are making a claim.

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Suncorp home insurance FAQs

Q. What type of policy covers the carpet in my home?

  • A. Coverage for carpets is included in the contents section of an Suncorp home insurance policy, not the building cover section.

Q. What does my policy mean when it says it offers new for old replacement?

  • A. This means that if your home is damaged beyond repair, or if your belongings are stolen or damaged beyond repair, Suncorp will rebuild or replace on a new for old basis. It doesn’t even matter how old your home or your possessions may be.

Q. How much legal liability cover is included in a Suncorp Home and Contents Insurance policy?

  • A. $20 million of cover is included in this policy to protect you when you are legally liable to pay compensation for causing someone else’s death or injury, or for causing damage to someone else’s property.

Q. How can I pay my premium?

  • A. Suncorp offers multiple premium payment options, including online, over the phone, BPAY, by the month, or in person at a Suncorp branch.
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Compare home insurance policies today

Suncorp’s home insurance policies offer a range of attractive options for Australian homeowners, but you’ll need to compare a range of policies before choosing just one to suit your needs. This will ensure that you end up with a policy that satisfies all your insurance requirements.

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