Suncorp Home Insurance Comparison and Review | finder.com.au

Suncorp Home Insurance

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

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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.

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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.
What do I get?ClassicClassic ExtrasClassic Advantages
Loss or damage
Accidental damage at the homeOptional
Safety net home protectionOptionalUp to 25% of the home sum insuredUp to 30% of the home sum insured
Motor burnoutOptional
Personal valuablesOptionalOptionalOptional
Portable Advantages
Optional
Contents temporarily removedUp to 25% of the general contents sum insuredUp to 30% of the general contents sum insuredUp to 35% of the general contents sum insured
Injury to pet dogs and catsOptionalOptionalOptional
Temporary accommodation costsUp to 10% of home sum insuredUp to 10% of home sum insuredUp to 15% of home sum insured
Supplementary living expenses
Up to $1,500Up to $2,000
Storage of undamaged contentsUp to 10% of the general contents sum insuredUp to 10% of the general contents sum insuredUp to 20% of the general contents sum insured
Contents in commercial storageUp to the general contents sum insuredUp to the general contents sum insuredUp to the general contents sum insured
Energy costs for loss of supply of renewable energy
Up to $500 per quarterUp to $750 per quarter
Temporary accommodation for tenants or strata title ownersUp to 10% of general contents sum insuredUp to 10% of general contents sum insuredUp to 10% of general contents sum insured
Removal of debrisUp to 10% of the home or general contents sum insuredUp to 15% of the home or general contents sum insuredUp to 20% of the home or general contents sum insured
Other repair/rebuilding costs
Damage to gardens and plants
Up to $1,000Up to $2,000
Mortgage discharge costsUp to $1,000Up to $1,500Up to $2,000
Contents in transitUp to the general contents sum insuredUp to the general contents sum insuredUp to the general contents sum insured
Lock replacementUp to $500Up to $1,000Up to $2,500
Security attendance fees
Up to $2,500
Exploratory costsUp to $1,500Up to $2,000Up to $2,500
Prevention of access
Up to 12 weeks
Paraplegia or quadriplegia assistanceUp to $20,000Up to $20,000Up to $20,000
Fatal injury compensationUp to $5,000Up to $5,000Up to $5,000
Damage from physical injury or incidentUp to $20,000Up to $20,000Up to $20,000
Accidental Glass Breakage

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.

What do I get?ClassicClassic ExtrasClassic Advantages
Loss or damage
Safety net home protectionOptionalUp to 25% of the home sum insuredUp to 30% of the home sum insured
Accidental damage at the homeOptional
Motor burnoutOptional
Temporary accommodationUp to 10% of home sum insuredUp to 10% of home sum insuredUp to 15% of home sum insured
Supplementary living expenses
Up to $1,500Up to $2,000
Removal of debris10% of the home sum insured15% of the home sum insured20% of the home sum insured
Other repair/rebuilding costs
Energy costs for loss of supply of renewable energy
$500 per quarter for up to 4 quarters$750 per quarter for up to 4 quarters
Damage to gardens and plants
Up to $1,000Up to $2,000
Mortgage discharge costsUp to $1,000Up to $1,500Up to $2,000
Lock replacementUp to $500Up to $1,000Up to $2,500
Security attendance fees
Up to $2,500
Exploratory costsUp to $1,500Up to $2,000Up to $2,500
Prevention of access
Up to 12 weeks
Paraplegia or quadriplegia assistanceUp to $20,000Up to $20,000Up to $20,000
Fatal injury compensationUp to $5,000 Up to $5,000 Up to $5,000
Damage from physical injury or incidentUp to $20,000Up to $20,000Up to $20,000
Accidental Glass Breakage

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.

What do I get?ClassicClassic ExtrasClassic Advantages
Loss or damage
Personal valuablesOptionalOptionalOptional
Portable Advantages
Optional
Accidental damage at the homeOptional
Motor burnoutOptional
Injury to pet dogs and catsOptionalOptionalOptional
Temporary accommodation for tenants or strata title ownersUp to 10% of general contents sum insuredUp to 10% of general contents sum insuredUp to 10% of general contents sum insured
Removal of debrisUp to 10% of the home or general contents sum insuredUp to 15% of the home or general contents sum insuredUp to 20% of the home or general contents sum insured
Paraplegia or quadriplegia assistanceUp to $20,000Up to $20,000Up to $20,000
Fatal injury compensationUp to $5,000Up to $5,000Up to $5,000
Extra costs to re-establish important documentsUp to $500Up to $1,000Up to $2,000
Contents on common property
Up to $1,000Up to $1,500
Supplementary living expenses
Up to $1,500Up to $2,000
Contents in transitUp to the general contents sum insuredUp to the general contents sum insuredUp to the general contents sum insured
Identity theftUp to $1,000Up to $1,500Up to $5,000
Food and medication spoilageUp to $500Up to $1,000Up to $2,000
Visitors' contentsUp to $500Up to $1,000Up to $2,000
Contents temporarily removedUp to 25% of the general contents sum insuredUp to 30% of the general contents sum insuredUp to 35% of the general contents sum insured
Contents in commercial storageUp to the general contents sum insuredUp to the general contents sum insuredUp to the general contents sum insured
Prevention of access
Up to 12 weeks
Accidental Glass Breakage
Contents with fixed limits
Tools of trade and equipmentUp to $1,000 in totalUp to $2,000 in totalUp to $5,000 in total
Cash, smart cards, phone cards, documents able to be cashed or traded, vouchers, tickets, money orders or stampsUp to $300 in totalUp to $400 in totalUp to $500 in total
Uncut and unset gems, gold or silver nuggets, bullion and ingotsUp to $500 in totalUp to $700 in totalUp to $1,000 in total
Refrigerated food, frozen food and medicinesUp to $500 in totalUp to $1,000 in totalUp to $2,000 in total
Contents with flexible limits
Jewellery and watches$2,000 per item or set up to $4,000 in total$3,000 per item or set up to $10,000 in total$10,000 per item or set up to $40,000 in total
Carpets or rugs that are handwoven$2,000 per item$5,000 per itemContents sum insured
Paintings, pictures, works of art, antiques, sculptures, ornaments and art objects$10,000 per item or set up to $50,000 in total$20,000 per item or set up to $80,000 in total$200,000 in total
Collections, sets and memorabilia$2,000 per item$5,000 in total$50,000 in total

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.

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.

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.

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.

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: 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 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.

Suncorp home insurance FAQs

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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