Suncorp's "Build it back better" benefit and standard flood cover could suit homes in disaster prone areas.
Suncorp received 1968 complaints for home and contents in 2024-2025 with over 50% resolved.
Review flood cover exclusions like storm surge and note the 14-day cooling off period.
Our Verdict
It comes with a "Build it back better" benefit. If your house is damaged by an insured event, Suncorp will help you rebuild by using materials that are more resilient to natural hazards.
Flood cover comes standard on all policies. Many other home insurers will charge extra for this.
Although flood cover is included, it's worth noting that there are exclusions such as storm surge.
Sorry! We currently don't have this brand on our panel. But don't fret, you can head to the Suncorp home insurance website or compare a bunch of other home insurance companies with Finder.
You can get 3 different policy types. Suncorp offers contents insurance, building insurance, and a combined home and contents insurance policy. You can also get Suncorp landlord insurance, strata insurance and renters insurance.
Some main events covered by Suncorp home insurance include:
These are some of the standard features that you can claim on with Suncorp if an insured event causes damage or loss.
Accidental damage at the home
Temporary accommodation costs
Storage of undamaged contents
Removal of debris
Contents in transit
Mortgage discharge costs
Optional add-ons
Suncorp home insurance only offers a few optional add-ons compared to many other insurers such as ING and Budget Direct. These include:
Accidental damage
Motor burnout
Portable contents cover
Domestic workers' compensation
Exclusions
All home insurance policies will have general exclusions. These are some things you won't be covered for with Suncorp. For the full list, check out its Product Disclosure Statement (PDS).
Coal seam gas
Lawful seizure
Wear and tear
Inherent defects
Soil movement
Actions or movement of the sea
Extensions, renovations or alterations to your home
Bushfires, storms, floods or tsunamis in the first 72 hours of cover
Consequential loss of any kind
You can also head to general exclusions for more information about what home insurance won't cover.
Suncorp home insurance complaints information
In the 2024-2025 financial year, AFCA received a total of 1,968 complaints about Suncorp's home and contents insurance products. 1,042 of those were resolved at the registration and referral stage, giving Suncorp a referral resolution rate of 52.95%.
Bottom line about Suncorp home insurance
Suncorp's home insurance could be good if you live in a disaster prone area of Australia, both because of its "Build it back better"' benefit and automatic flood cover. It also comes with a 6% seniors discount for Queenslanders.
Suncorp home insurance aims to make its claims process as easy and straightforward as possible. Claims can be lodged online or by phoning the Suncorp home insurance claims department on 13 25 24, available 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 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.
According to Suncorp's Target Market Determination (TMD) document, this product is suitable for:
Those who own and live in their homes for domestic purposes.
Those who want to insure their contents (used for domestic purposes) at a permanent residence, this can be for homeowners and renters.
Those who have a home that meets underwriting criteria like having an acceptable building type, living in an acceptable postcode, and that your home is maintained.
Those who own a home and lease out part of their residence under a rental agreement and wish to have some cover as a landlord. There is limited cover if the entire property is being leased as a short term rental.
Coverage for carpets is included in the contents section of a Suncorp home insurance policy, not the building cover section.
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.
$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.
Suncorp offers multiple premium payment options, including online, over the phone, BPAY, by the month, or in person at a Suncorp branch.
If you've held, or currently hold, a Suncorp home insurance policy, we'd love to hear from you. Your reviews help other Australians decide if Suncorp is right for them. Some reviews are from a survey commissioned by Finder.
Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards.
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which insurance co is best for comprehensive home and content if home is in a flash zone risk of fire.
Hi Ann, you can compare comprehensive policies in our main guide to home insurance. We also have a detailed guide to bushfire insurance. Hope this helps.