Get $100 off
First Year Online Discount*
Every one of our home insurance customers is different.
We offer 3 different levels of cover for your home and contents that provide a great range of options and limits to make it easier to choose an option that best suits your needs.
Covers and benefits
What do I get?
Classic
Classic Extras
Classic Advantages
Loss or damage to your home and its contents from events such as floods, storms, fires and theft#^
Classic
Classic Extras
Classic Advantages
Classic
Optional
Classic Extras
Automatically included
Classic Advantages
Automatically included
Classic
Optional
We pay up to a further 25% of the home sum insured
Classic Extras
Automatically included
We pay up to a further 25% of the home sum insured
Classic Advantages
Automatically included
We pay up to a further 30% of the home sum insured
Classic
Optional
Classic Extras
Automatically included
Classic Advantages
Automatically included
Classic
Optional
Classic Extras
Optional
Classic Advantages
Optional
Classic
Optional
Classic Extras
Optional
Classic Advantages
Optional
Classic
Optional
Classic Extras
Optional
Classic Advantages
Optional
Classic
Classic Extras
Classic Advantages
Optional
Classic
Up to 25% of the general contents sum insured for up to 180 days unless they are stored in a bank deposit box
Classic Extras
Up to 30% of the general contents sum insured for up to 180 days unless they are stored in a bank deposit box
Classic Advantages
Up to 35% of the general contents sum insured for up to 180 days unless they are stored in a bank deposit box
Classic
Optional
Classic Extras
Optional
Classic Advantages
Optional
Classic
Up to 10% of home sum insured
Classic Extras
Up to 10% of home sum insured
Classic Advantages
Up to 15% of home sum insured
Classic
Classic Extras
Up to $1,500
Classic Advantages
Up to $2,000
Classic
Up to 10% of the general contents sum insured
Classic Extras
Up to 10% of the general contents sum insured
Classic Advantages
Up to 20% of the general contents sum insured
Classic
Up to the general contents sum insured
Classic Extras
Up to the general contents sum insured
Classic Advantages
Up to the general contents sum insured
Classic
Classic Extras
Up to $500 per quarter for up to 4 quarters
Classic Advantages
Up to $750 per quarter for up to 4 quarters
Classic
Up to 10% of general contents sum insured
Classic Extras
Up to 10% of general contents sum insured
Classic Advantages
Up to 10% of general contents sum insured
Classic
Up to 10% of the home or general contents sum insured
Classic Extras
Up to 15% of the home or general content sum insured
Classic Advantages
Up to 20% of the home or general contents sum insured
Classic
Up to 10% of the home sum insured
Classic Extras
Up to 15% of the home sum insured
Classic Advantages
Up to 20% of the home sum insured
Classic
Classic Extras
Up to $1,000
Classic Advantages
Up to $2,000
Classic
Up to $1,000
Classic Extras
Up to $1,500
Classic Advantages
Up to $2,000
Classic
Up to the general contents sum insured
Classic Extras
Up to the general contents sum insured
Classic Advantages
Up to the general contents sum insured
Classic
Up to $500
Classic Extras
Up to $1,000
Classic Advantages
Up to $2,500
Classic
Classic Extras
Classic Advantages
Up to $2,500
Classic
Up to $1,500
Classic Extras
Up to $2,000
Classic Advantages
Up to $2,500
Classic
Classic Extras
Classic Advantages
Up to 12 weeks
Classic
Up to $20,000
Classic Extras
Up to $20,000
Classic Advantages
Up to $20,000
Classic
$5,000
Classic Extras
$5,000
Classic Advantages
$5,000
Classic
Up to $20,000
Classic Extras
Up to $20,000
Classic Advantages
Up to $20,000
Classic
Automatically included
Classic Extras
Automatically included
Classic Advantages
Automatically included
Full list of insured events
Flood
Flood means the covering of normally dry land by water that has escaped or been 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. Some things we don't cover are damage to retaining walls, jetties, pontoons and garden borders.
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
Malicious acts or vandalism includes things like vandals damaging your letterbox or painting graffiti on your home.
It doesn't include damage caused by someone who lives or is staying at the insured address or who entered the insured address with your consent.
Impact
Impact covers damage caused by impact from things like a falling tree, power poles, tv antennas, aircrafts, motor vehicles 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 and not because of erosion, structural fault or design fault.
Theft and 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 by thieves or burglars entering the insured address from common property without signs of forced entry, or loss or damage caused by anyone living at the address.
Damage by animal
This covers loss or damage caused by an animal that becomes accidentally trapped inside your home.
We don't cover damage caused by any animal you own or are responsible for, or has been allowed onto the insured address, or damage caused by insects, vermin or rodents (unless the damage they caused is covered under fire or escape of liquid).
Riot and civil commotion
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 insured address participated in the disturbance.
Explosion
We cover loss or damage caused by an explosion but we don't cover the cost of repairing or replacing the container or tank that exploded.
Escape of liquid
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 an aquarium.
We do not cover the cost of fixing the leak itself, wear, tear and gradual deterioration or loss or damage as a result of a gradual process of liquid leaking, splashing, dripping or overflowing. 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 that occurs within the first 72 hours following an earthquake or tsunami.
This includes cover for damage caused by a landslide or subsidence within 72 hours of, and directly because of, an earthquake or tsunami. It doesn't cover damage caused by erosion over time or a structural or design fault.
# Actions or movements of the sea and loss or damage caused by storm surge (unless the storm surge damage occurs at the same time as damage caused by a storm) are not covered. We don't cover retaining walls or flood damage to wharves, jetties, pontoons, other exclusions apply.
^ 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.
Flood
Flood means the covering of normally dry land by water that has escaped or been 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. Some things we don't cover are damage to retaining walls, jetties, pontoons and garden borders.
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 and not because of erosion, structural fault or design fault.
Riot and civil commotion
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 insured address participated in the disturbance.
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.
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.
Theft and 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 by thieves or burglars entering the insured address from common property without signs of forced entry, or loss or damage caused by anyone living at the address.
Explosion
We cover loss or damage caused by an explosion but we don't cover the cost of repairing or replacing the container or tank that exploded.
Earthquake and tsunami
We cover damage that occurs within the first 72 hours following an earthquake or tsunami.
This includes cover for damage caused by a landslide or subsidence within 72 hours of, and directly because of, an earthquake or tsunami. It doesn't cover damage caused by erosion over time or a structural or design fault.
Malicious acts
Malicious acts or vandalism includes things like vandals damaging your letterbox or painting graffiti on your home.
It doesn't include damage caused by someone who lives or is staying at the insured address or who entered the insured address with your consent.
Damage by animal
This covers loss or damage caused by an animal that becomes accidentally trapped inside your home.
We don't cover damage caused by any animal you own or are responsible for, or has been allowed onto the insured address, or damage caused by insects, vermin or rodents (unless the damage they caused is covered under fire or escape of liquid).
Impact
Impact covers damage caused by impact from things like a falling tree, power poles, tv antennas, aircrafts, motor vehicles and even space debris.
It doesn't include damage caused by trees being lopped, felled or transplanted by you or for you.
Escape of liquid
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 an aquarium.
We do not cover the cost of fixing the leak itself, wear, tear and gradual deterioration or loss or damage as a result of a gradual process of liquid leaking, splashing, dripping or overflowing. See the PDS for more details on what we don't cover.
Damage from physical injury or incident
We’ll cover you for loss or damage to and /or soiling of your contents as a result of physical assaults or death.
Fatal injury compensation
We’ll make a payment to your estate if you die within 12 months as a direct result of an event we cover occurring that also resulted in a claim for damage to your home being accepted.
Prevention of access when you have home cover
We’ll cover your reasonable temporary accommodation costs if your home becomes inaccessible from an incident such as burst water main (see PDS for full list of incidents).
Removal of debris
We’ll cover the cost to demolish and remove damaged parts of your home and remove debris from your insured address after an insured event.
Accidental damage at the home
We’ll cover loss or damage to your home that occurs without intent e.g. losing, breaking or damaging something.
Safety net home protection
This provides a buffer if the cost of repairing or replacing your home is more than the amount you insured it for. For example, with a 25% Safety Net, if your sum insured is $400,000, we’ll cover you for up to a further $100,000 for a total of $500,000. An extra premium applies if you choose to add this option to your Classic cover, but if you choose Classic Extras or Classic Advantages cover, Safety Net is included automatically.
Prevention of access
We’ll cover your reasonable temporary accommodation costs if your home becomes inaccessible from an incident such as burst water main (see PDS for full list of incidents).
Exploratory costs where leak is not covered under insured event ‘Escape of liquid’
We’ll cover your costs to locate the source of liquid escaping or overflowing at the home and to repair and restore the damage to your home caused by exploratory work.
Limits apply - see the PDS for further details.
Security attendance fees
We’ll cover the fees charged by your security provider to respond to your monitored alarm if activated by a break in or attempted break in. Limits, exclusions and conditions apply.
Lock replacement
We’ll cover the costs to replace or recode your home’s external door or window locks if your keys are stolen anywhere in Australia or New Zealand.
Mortgage discharge costs
If we pay a claim for your home to a credit provider that fully repays your home loan we’ll pay the administrative and legal costs of discharging the mortgage or deleting the mortgagee from your home’s land title.
Environmental improvements
We’ll contribute to the costs associated with purchasing and installing environmental improvements such as rainwater tanks, solar systems or compost equipment. Limits, exclusions and conditions apply.
Damage to gardens and plants
We’ll cover the cost to replace trees, shrubs, plants, hedges and garden beds if they have been damaged as a result of an event we cover that also caused damage to your home at the same time for which we have accepted a claim.
Other repair/rebuilding costs
When we rebuild or repair your home we’ll cover extra costs for: the services of professionals such as architects or surveyors; temporary work required to make your home safe; and ensuring the damaged parts of your home comply with current building regulations.
The most we will pay under this cover for any one incident, is the building sum insured, less any amount paid for accidental loss or damage under any other part of your policy for the same incident.
Limits, exclusions and conditions apply.
Removal of debris
We’ll cover the cost to demolish and remove damaged parts of your home after an insured event.
Energy costs for loss of supply of renewable energy
If an event that we cover damages your home and we have accepted a claim and your green energy generation equipment is also damaged at the same time we’ll cover the increase in your electricity costs that you incur due to the damage to the green energy generation equipment.
Storage of undamaged contents
We’ll cover the cost of storing undamaged contents after an insured event.
Temporary accommodation costs
We’ll cover temporary accommodation costs if you aren’t able to live in your home due to an event that we cover causing damage to your home and cannot be lived in. Limits, exclusions and conditions apply.
Personal valuables
You can cover your personal items that you would normally carry with you away from your home, such as jewellery, mobile phones and laptops. Check the PDS for the full list of items and how you can cover them.
Safety net home protection
This provides a buffer if the cost of repairing or replacing your home is more than the amount you insured it for. For example, with a 25% Safety Net, if your sum insured is $400,000, we’ll cover you for up to a further $100,000 for a total of $500,000. An extra premium applies if you choose to add this option to your Classic cover, but if you choose Classic Extras or Classic Advantages cover, Safety Net is included automatically.
Collections, sets and memorabilia
Including stamps, stamp collections, collectors’ pins, medals and collectors’ non-negotiable currency.
Prevention of access when you have contents cover
We’ll cover your reasonable temporary accommodation costs if your home or unit becomes inaccessible from an incident such as a burst water main (see PDS for full list of incidents).
Contents in commercial storage
We’ll extend your contents cover to cover your contents stored in a secure commercial storage facility for loss or damage caused by an event we cover. Limits, exclusions and conditions apply.
Contents temporarily removed
We’ll cover your contents for loss or damage by an event we cover if they are temporarily removed to another residence in Australia in which you are temporarily residing (such as a hotel), or in a bank deposit box and an event occurs at this new location.
Financial transaction card cover
We’ll cover your loss if your credit cards or other financial transaction cards are stolen from the home and used fraudulently. Conditions apply.
Visitors’ contents
We’ll cover loss or damage to contents owned by invited visitors caused by an event we cover. Limits, exclusions and conditions apply.
Food and medication spoilage
We’ll cover spoilage of refrigerated food, frozen food and refrigerated medicines. Limits, exclusions and conditions apply.
Damage from physical injury or incident
We’ll cover you for loss or damage to and /or soiling of your contents as a result of physical assaults or death.
Contents in transit
We provide some cover for contents in transit and storage within Australia. This is an additional cover that comes with your policy at no extra cost. Limits, exclusions and conditions apply.
Supplementary living expenses
We’ll cover you for reasonable increases in your normal living expenses to maintain your normal standard of living following an event that we cover if, as a result of the event, your insured address cannot be lived in.
Contents on common property
We’ll cover contents attached to common areas if your contents are insured in a unit.
Extra costs to re-establish important documents
If we accept a claim under your contents cover, we’ll cover your costs to replace documents, such as passports and licences, if they are also lost or damaged as a result of the event that occurred.
Fatal injury compensation
We’ll make a payment to your estate if you die within 12 months as a direct result of an event we cover occurring that also resulted in a claim for damage to your contents being accepted.
Paraplegia or quadriplegia assistance
We’ll pay reasonable and necessary costs to modify your home or assist you to relocate to a new residence if you are injured as a direct result of an event that we cover where we have accepted a claim to your home for that event.
Removal of debris
We’ll cover the cost to dispose of your damaged contents after an event that we cover.
Temporary accommodation for tenants or strata title owners
We’ll cover temporary accommodation costs if you aren’t able to live at the insured address due to an event that we cover causing damage to the home and cannot be lived in. Limits, exclusions and conditions apply.
Injury to pet dogs and cats
If a pet dog or cat shown on your certificate of insurance is injured in an incident, we’ll pay for necessary veterinary treatment (up to $2000 per accident). Extra premium and injury to pet dogs and cats excess will apply.
Motor burnout
Covers the burning out or fusing of electric motors that are part of your home and equal to or less than 10 years old. This includes the motor in things like portable air conditioning units, washing machines and fridges (if you have contents cover). An extra premium applies if you choose to add this to your Classic cover while if you have Classic Extras or Classic Advantages it is automatically included in your cover.
Accidental damage at the home
We’ll cover loss or damage to your contents that occurs without intent e.g. losing, breaking or damaging something.
Portable advantages
Cover your:
- contents for accidental loss or damage anywhere in Australia or New Zealand when they are temporarily removed from the insured address (up to 180 consecutive days); or
- jewellery and watches when they are outside Australia and New Zealand for up to 100 consecutive days (but only when worn by you or secured in a safe).
We don’t offer this feature online – call us on 13 11 55 to find out more. Extra premium applies.
Personal valuables
Cover for personal valuables you would normally carry with you away from your home, such as jewellery, mobile phones and laptops. Check the PDS for the full list of items and how you can cover them.
Legal liability
If you have property cover we’ll cover your legal liability to pay compensation for death or bodily injury to other people; or loss or damage to their property resulting from an incident in connection with you owning the property and which happens at the insured address.
Accidental damage at the property
We’ll cover loss or damage to your property or contents that occurs without intent e.g. losing, breaking or damaging something. Conditions apply.
Motor burnout
Covers the burning out or fusing of electric motors that are part of your household equipment or appliance which are part of your contents and where the motor is equal to or less than 10 years old. This includes the motor in things like portable air conditioning units, washing machines and fridges. An extra premium applies if you choose to add this option to your cover. This optional cover has its own excess, and the standard excess does not apply.
Safety net protection
If the cost to repair or replace your property is more than the sum insured you nominated by having this option on your policy we will pay an additional percentage of your property sum insured to repair or replace your property or pay you what it would have cost us to do this.
Accidental damage at the home
We will cover loss or damage that occurs without intent (i.e. losing, breaking or damaging something)
Net costs
Net cost is the amount you spend after deducting any government subsidy to which you are entitled to at the date of the loss, whether you claim this subsidy or not. You must supply us with proof of the amount you spent before we will pay you.
Accidental Glass Breakage
When you have home cover, 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.
This doesn’t cover loss or damage caused by the broken items.
Modal Title
When you have home cover, 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.
This doesn’t cover loss or damage caused by the broken items.
Excess-Free Glass with Suncorp Home Insurance
Repair your broken glass with no excess payable
Whether it’s a shower screen, window, fixed mirror or skylight, repairing accidentally broken glass can be expensive and time consuming. But, with this optional cover for your Home Insurance policy, you can get it done without paying an excess.
What’s included
- Reasonable and necessary costs to repair or replace fixed glass in windows, doors, skylights and shower screens, in your home.
- Costs for repair or replacement of frames in windows, doors and shower screens, if necessary to enable the glass to be replaced.
- No excess to pay when your claim is only for the broken fixed glass.
- Access to trusted glass repairers.
Exclusions Apply
This optional cover is for certain fixed glass only, so it doesn’t apply to things like drinking glasses, vases, or TV screens.
For more detail, including limits, conditions and exclusions, refer to the Product Disclosure Statement (PDS).
Exclusions Apply
This optional cover is for certain fixed glass only, so it doesn’t apply to things like drinking glasses, vases, or TV screens.
Suncorp Insurance Home Assist
General maintenance
Suncorp Insurance Home Assist does not cover general maintenance, such as the provision or replacement of windows, doors, glass, tiles, carpets and of fittings and fixtures. Other exclusions apply — Read the Suncorp Insurance Home Assist Terms & Conditions.
Preventative services
Suncorp Insurance Home Assist does not cover preventative services, such as the removal of property, rubbish or debris. Read the Suncorp Insurance Home Assist Terms & Conditions.
Disaster response
Suncorp Insurance Home Assist is not an emergency rescue or disaster response service. Read the Suncorp Insurance Home Assist Terms & Conditions to find out more.
Where an emergency situation poses a risk to your personal safety or property, or the personal safety and property of any other person, contact the appropriate emergency or rescue services.
Offering help from a plumber, electrician, locksmith or carpenter if you have a home emergency.
How you could get help from selected emergency tradies
Suncorp Insurance optional Home Assist can offer you help from a plumber, electrician, locksmith or carpenter for a sudden and unforeseen home emergency. So, if you’re faced with something like a burst pipe or broken door key, Home Assist could help get it sorted.
FYI, it won’t help with general maintenance, preventative services or disaster response. Some geographical limitations apply to availability of cover, and cover is not available within the first 24 hours of taking out Home Insurance, or adding the optional cover to your policy.
Tradies available 24/7
Plumber
Electrician
Locksmith
Carpenter
How it works
For assistance in a home emergency — that is, a sudden and unforeseen incident which requires urgent attention — call 13 22 44.
What’s included
- 3 excess-free callouts within your policy period
- Repair materials, up to $50
- Up to 2 hours emergency assistance per callout
- A trusted network of tradies
For more detail, including limits, conditions and exclusions, refer to the Product Disclosure Statement (PDS).
How it works
For assistance in a home emergency — that is, a sudden and unforeseen incident which requires urgent attention — call 13 22 44.
General maintenance
Suncorp Insurance Home Assist does not cover general maintenance, such as the provision or replacement of windows, doors, glass, tiles, carpets and of fittings and fixtures. Other exclusions apply — Read the Suncorp Insurance Home Assist Terms & Conditions.
Preventative services
Suncorp Insurance Home Assist does not cover preventative services, such as the removal of property, rubbish or debris. Read the Suncorp Insurance Home Assist Terms & Conditions.
Disaster response
Suncorp Insurance Home Assist is not an emergency rescue or disaster response service. Read the Suncorp Insurance Home Assist Terms & Conditions to find out more.
Where an emergency situation poses a risk to your personal safety or property, or the personal safety and property of any other person, contact the appropriate emergency or rescue services.
Want to know more?
This is just a summary, for full details of what is and isn't covered please refer to the Home & Contents Insurance Product Disclosure Statement (PDF). The Target Market Determination is also available.
* Any subsequent discounts are applied to the already discounted premium, before government taxes and charges.
# Actions or movements of the sea and loss or damage caused by storm surge (unless the storm surge damage occurs at the same time as damage caused by a storm) are not covered.
We don't cover retaining walls or flood damage to wharves, jetties, pontoons, other exclusions apply.
^ 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
