Classic Home Insurance
- Main events covered
-
Fire -
Theft -
Storm -
Flood
-
Monthly payments cost extra
-
yes
-
Underinsurance protection
-
Optional Extra - Up to 25% of sum insured
-
New for old replacement
-
Yes
- Underinsurance protection
-
Optional Extra - Up to 25% of sum insured
- Monthly payments cost extra
-
yes
- Fire
- Yes
- Theft or burglary
- Yes
- Storm
- Yes
- Flood
- Yes
- New for old
- Yes
- General contents
- No
- Cash
- No
- Cd dvd and electronic files
- No
- Computer software hardware
- No
- Camera and accessories
- No
- Carpets
- No
- Antiques and valuables
- No
- Jewellery
- No
- Replacement of documents
- No
- Tools of trade
- No
- Contents while moving
- No
- Lock replacement
- Up to $500
- Temporary accommodation
- Up to 10% of sum insured combined with temporary accommodation for pets
- Debris removal
- Up to 10% of sum insured combined with demolition cost
- Demolition cost
- Up to 10% of sum insured combined with debris removal cost
- Accidental loss and damage
- Optional Extra
- Accidental breakage of glass
- Yes
- Lightning
- Yes
- Earthquake
- Yes
- Storm surge
- Yes
- Buildings and structural improvements
- Yes
- Building materials
- Up to $500
- Landscaping
- Yes, retaining walls, garden borders, pathways and paved areas. Up to $500 for plants
- Gates and fences
- Yes
Classic Home Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
yes
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
- Underinsurance protection
-
No
- Monthly payments cost extra
-
yes
- Fire
- Yes
- Theft or burglary
- Yes
- Storm
- Yes
- Flood
- Yes
- New for old
- Yes
- General contents
- Yes
- Cash
- No
- Cd dvd and electronic files
- Yes
- Computer software hardware
- Yes
- Camera and accessories
- Yes
- Carpets
- Yes
- Antiques and valuables
- Up to $10,000 per item, up to $50,000 in total, up to $2,000 for collections
- Jewellery
- Up to $2,000 per item, up to $4,000 in total
- Replacement of documents
- Up to $500
- Tools of trade
- Up to $1,000
- Contents while moving
- Yes
- Lock replacement
- Up to $500
- Temporary accommodation
- Up to 10% of sum insured combined with temporary accommodation for pets
- Debris removal
- Up to 10% of sum insured
- Demolition cost
- No
- Accidental loss and damage
- Optional Extra
- Accidental breakage of glass
- Yes
- Lightning
- Yes
- Earthquake
- Yes
- Storm surge
- Yes
- Buildings and structural improvements
- No
- Building materials
- No
- Landscaping
- No
- Gates and fences
- No
Classic Home Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
yes
-
Underinsurance protection
-
Optional Extra - Up to 25% of building sum insured
-
New for old replacement
-
Yes
- Underinsurance protection
-
Optional Extra - Up to 25% of building sum insured
- Monthly payments cost extra
-
yes
- Fire
- Yes
- Theft or burglary
- Yes
- Storm
- Yes
- Flood
- Yes
- New for old
- Yes
- General contents
- Yes
- Cash
- No
- Cd dvd and electronic files
- Yes
- Computer software hardware
- Yes
- Camera and accessories
- Yes
- Carpets
- Yes
- Antiques and valuables
- Up to $10,000 per item, up to $50,000 in total, up to $2,000 for collections
- Jewellery
- Up to $2,000 per item, up to $4,000 in total
- Replacement of documents
- Up to $500
- Tools of trade
- Up to $1,000
- Contents while moving
- Yes
- Lock replacement
- Up to $500
- Temporary accommodation
- Up to 10% of sum insured combined with temporary accommodation for pets
- Debris removal
- Up to 10% of sum insured combined with demolition cost
- Demolition cost
- Up to 10% of sum insured combined with debris removal cost
- Accidental loss and damage
- Optional Extra
- Accidental breakage of glass
- Yes
- Lightning
- Yes
- Earthquake
- Yes
- Storm surge
- Yes
- Buildings and structural improvements
- Yes
- Building materials
- Up to $500
- Landscaping
- Yes, retaining walls, garden borders, pathways and paved areas. Up to $500 for plants
- Gates and fences
- Yes
Classic Extras Home Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
yes
-
Underinsurance protection
-
Yes - Up to 25% of sum insured
-
New for old replacement
-
Yes
- Underinsurance protection
-
Yes - Up to 25% of sum insured
- Monthly payments cost extra
-
yes
- Fire
- Yes
- Theft or burglary
- Yes
- Storm
- Yes
- Flood
- Yes
- New for old
- Yes
- General contents
- No
- Cash
- No
- Cd dvd and electronic files
- No
- Computer software hardware
- No
- Camera and accessories
- No
- Carpets
- No
- Antiques and valuables
- No
- Jewellery
- No
- Replacement of documents
- No
- Tools of trade
- No
- Contents while moving
- No
- Lock replacement
- Up to $1,000
- Temporary accommodation
- Up to 10% of sum insured combined with temporary accommodation for pets
- Debris removal
- Up to 15% of sum insured combined with demolition cost
- Demolition cost
- Up to 15% of sum insured combined with debris removal cost
- Accidental loss and damage
- Yes
- Accidental breakage of glass
- Yes
- Lightning
- Yes
- Earthquake
- Yes
- Storm surge
- Yes
- Buildings and structural improvements
- Yes
- Building materials
- Up to $1,000
- Landscaping
- Yes, retaining walls, garden borders, pathways and paved areas. Up to $1,000 for plants
- Gates and fences
- Yes
Classic Extras Home Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
yes
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
- Underinsurance protection
-
No
- Monthly payments cost extra
-
yes
- Fire
- Yes
- Theft or burglary
- Yes
- Storm
- Yes
- Flood
- Yes
- New for old
- Yes
- General contents
- Yes
- Cash
- No
- Cd dvd and electronic files
- Yes
- Computer software hardware
- Yes
- Camera and accessories
- Yes
- Carpets
- Yes
- Antiques and valuables
- Up to $20,000 per item, up to $80,000 in total, up to $5,000 for collections
- Jewellery
- Up to $3,000 per item, up to $10,000 in total
- Replacement of documents
- Up to $1,000
- Tools of trade
- Up to $2,000
- Contents while moving
- Yes
- Lock replacement
- Up to $1,000
- Temporary accommodation
- Up to 10% of sum insured combined with temporary accommodation for pets
- Debris removal
- Up to 15% of sum insured
- Demolition cost
- No
- Accidental loss and damage
- Yes
- Accidental breakage of glass
- Yes
- Lightning
- Yes
- Earthquake
- Yes
- Storm surge
- Yes
- Buildings and structural improvements
- No
- Building materials
- No
- Landscaping
- No
- Gates and fences
- No
Classic Extras Home Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
yes
-
Underinsurance protection
-
Yes - Up to 25% of building sum insured
-
New for old replacement
-
Yes
- Underinsurance protection
-
Yes - Up to 25% of building sum insured
- Monthly payments cost extra
-
yes
- Fire
- Yes
- Theft or burglary
- Yes
- Storm
- Yes
- Flood
- Yes
- New for old
- Yes
- General contents
- Yes
- Cash
- No
- Cd dvd and electronic files
- Yes
- Computer software hardware
- Yes
- Camera and accessories
- Yes
- Carpets
- Yes
- Antiques and valuables
- Up to $20,000 per item, up to $80,000 in total, up to $5,000 for collections
- Jewellery
- Up to $3,000 per item, up to $10,000 in total
- Replacement of documents
- Up to $1,000
- Tools of trade
- Up to $2,000
- Contents while moving
- Yes
- Lock replacement
- Up to $1,000
- Temporary accommodation
- Up to 10% of sum insured combined with temporary accommodation for pets
- Debris removal
- Up to 15% of sum insured combined with demolition cost
- Demolition cost
- Up to 15% of sum insured combined with debris removal cost
- Accidental loss and damage
- Yes
- Accidental breakage of glass
- Yes
- Lightning
- Yes
- Earthquake
- Yes
- Storm surge
- Yes
- Buildings and structural improvements
- Yes
- Building materials
- Up to $1,000
- Landscaping
- Yes, retaining walls, garden borders, pathways and paved areas. Up to $1,000 for plants
- Gates and fences
- Yes
Classic Advantages Home Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
yes
-
Underinsurance protection
-
Yes - Up to 30% of sum insured
-
New for old replacement
-
Yes
- Underinsurance protection
-
Yes - Up to 30% of sum insured
- Monthly payments cost extra
-
yes
- Fire
- Yes
- Theft or burglary
- Yes
- Storm
- Yes
- Flood
- Yes
- New for old
- Yes
- General contents
- No
- Cash
- No
- Cd dvd and electronic files
- No
- Computer software hardware
- No
- Camera and accessories
- No
- Carpets
- No
- Antiques and valuables
- No
- Jewellery
- No
- Replacement of documents
- No
- Tools of trade
- No
- Contents while moving
- No
- Lock replacement
- Up to $2,500
- Temporary accommodation
- Up to 15% of sum insured combined with temporary accommodation for pets
- Debris removal
- Up to 20% of sum insured combined with demolition cost
- Demolition cost
- Up to 20% of sum insured combined with debris removal cost
- Accidental loss and damage
- Yes
- Accidental breakage of glass
- Yes
- Lightning
- Yes
- Earthquake
- Yes
- Storm surge
- Yes
- Buildings and structural improvements
- Yes
- Building materials
- Up to $2,000
- Landscaping
- Yes, retaining walls, garden borders, pathways and paved areas. Up to $2,000 for plants
- Gates and fences
- Yes
Classic Advantages Home Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
yes
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
- Underinsurance protection
-
No
- Monthly payments cost extra
-
yes
- Fire
- Yes
- Theft or burglary
- Yes
- Storm
- Yes
- Flood
- Yes
- New for old
- Yes
- General contents
- Yes
- Cash
- No
- Cd dvd and electronic files
- Yes
- Computer software hardware
- Yes
- Camera and accessories
- Yes
- Carpets
- Yes
- Antiques and valuables
- Up to $200,000, up to $50,000 for collections
- Jewellery
- Up to $10,000 per item, up to $40,000 in total
- Replacement of documents
- Up to $2,000
- Tools of trade
- Up to $5,000
- Contents while moving
- Yes
- Lock replacement
- Up to $2,500
- Temporary accommodation
- Up to 15% of sum insured combined with temporary accommodation for pets
- Debris removal
- Up to 20% of sum insured
- Demolition cost
- No
- Accidental loss and damage
- Yes
- Accidental breakage of glass
- Yes
- Lightning
- Yes
- Earthquake
- Yes
- Storm surge
- Yes
- Buildings and structural improvements
- No
- Building materials
- No
- Landscaping
- No
- Gates and fences
- No
Classic Advantages Home Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
yes
-
Underinsurance protection
-
Yes - Up to 30% of building sum insured
-
New for old replacement
-
Yes
- Underinsurance protection
-
Yes - Up to 30% of building sum insured
- Monthly payments cost extra
-
yes
- Fire
- Yes
- Theft or burglary
- Yes
- Storm
- Yes
- Flood
- Yes
- New for old
- Yes
- General contents
- Yes
- Cash
- No
- Cd dvd and electronic files
- Yes
- Computer software hardware
- Yes
- Camera and accessories
- Yes
- Carpets
- Yes
- Antiques and valuables
- Up to $200,000, up to $50,000 for collections
- Jewellery
- Up to $10,000 per item, up to $40,000 in total
- Replacement of documents
- Up to $2,000
- Tools of trade
- Up to $5,000
- Contents while moving
- Yes
- Lock replacement
- Up to $2,500
- Temporary accommodation
- Up to 15% of sum insured combined with temporary accommodation for pets
- Debris removal
- Up to 20% of sum insured combined with demolition cost
- Demolition cost
- Up to 20% of sum insured combined with debris removal cost
- Accidental loss and damage
- Yes
- Accidental breakage of glass
- Yes
- Lightning
- Yes
- Earthquake
- Yes
- Storm surge
- Yes
- Buildings and structural improvements
- Yes
- Building materials
- Up to $2,000
- Landscaping
- Yes, retaining walls, garden borders, pathways and paved areas. Up to $2,000 for plants
- Gates and fences
- Yes
Your selected home insurance
Suncorp home insurance ratings
Customer reviews
-
Worth while checking them out.
Multi policy discount and covers most things that matter.
-
Insurance companies need to be more individualised
3 Claims on Contents in 52 years (SGIO) previously, premium has increased by 51% in 2 years. No claim for 10 years. No in flood zone, last claim was minimal for last item 4 years ago. How is this justified with a blanket increase to all customers without having the decency to be more individualised to claims history.
-
Open and honest.
I like Suncorp because they are easy to deal with when I make a claim on my home and contents policy. Their phone reps are always ready to listen and provide the best outcome for their customers. Not the cheapest insurance company but definitely one of the better ones in my opinion.
-
They do what they say they will do
Our electricity junction box caught fire and caused a tremendous amount of damage. to the house and wiring. Repairs were authorized immediately. Not only was the house wiring damaged, the cable that went to our workshop. We didn't have to pay anything, well over $15,000.00
-
DO NOT Recommend using Suncorp
Suncorp gave me incorrect information when I took out my Landlord Insurance : told me excess was $500, when in fact it turned out to be $1600 (the excess was the main factor in choosing Suncorp when I got quotes). Come time to claim they ignored my legitimate question about an offer, then said that the offer had "expired". They also used loopholes in the policy language to avoid paying: eg holes in the walls they said were Tenant "neglect" instead of damage, and they refused to cover the rent arrears even though it was stated in the policy that it was covered. Dealing with them has been a lengthy process, you would be better having no insurance at all than a policy with Suncorp. Having 7 policies with them for many years made no difference to how we were treated.
-
hope to win
no complaints here, ask and ye shal recieve
-
Great company to deal with.
Over the 50+ years I have had house insurance I have only ever had two claims with two different insurance companies for small amounts, just over $1,000 and both were rejected. I changed to Suncorp when I saw that they setup temporary offices in areas affected by cyclones, floods etc. At the same time, I saw where many claimants of other companies had their claims rejected, which still occurs today. Never have I read or seen disgruntled Suncorp customers. We have house and contents, comprehensive car and third party with Suncorp. We had a claim concerning the car and were amazed at the first-class service we received. It will always be Suncorp for me.
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