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Based in the sunshine state, the Suncorp Group is an Australian owned, publicly listed company. Its history dates back to 1902 and it has been insuring Australians for more than 90 years. With so much experience in the Australian market, their home insurance comes with multi-policy discounts, seniors and up to $100 off when you buy your policy online.
Suncorp is a multi-award winner in the 2023 Mozo Experts Choice Awards for Home Insurance, including taking out the top title of Insurer of the Year.
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Products are initially shown with ‘Promoted’ products at the top that we have chosen to advertise more prominently. The table beneath lists products that meet the information in the filter, sorted according to estimated repayments for loans, and interest rates for deposits. You can change the filter settings to see other products.
We provide only general advice
Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the Product Disclosure Statement (PDS) or offer documentation, or seeking independent advice. It is also advised to review Target Market Determination(TMD) of products that you are considering. The TMD can be found on the provider's website.
Suncorp home insurance
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
No Partner link
Details Close
Underinsurance protection
Optional Extra - Up to 25% of sum insured
New for old
Yes
Building cover
Contents cover
n/a
Fire
Yes
Theft or burglary
Yes
Storm
Yes
Flood
Yes
Lightning
Yes
Earthquake
Yes
Storm surge
Yes
Fusion
Optional Extra, up to 10 years old
Power surge
No
Accidental loss and damage
Optional Extra
Accidental breakage of glass
Yes
Death and injury cover
$5,000 for death
Monthly payments cost extra
yes
General contents
No
Contents while moving
No
Antiques and valuables
No
Cash
No
Cd dvd and electronic files
No
Computer software and hardware
No
Camera and accessories
No
Carpets
No
Home office contents
No
Identity theft
No
Jewellery
No
Personal medical equipment
No
Replacement of documents
No
Tools of trade
No
Lock replacement
Up to $500
Emergency storage
No
Temporary accommodation
Up to 10% of sum insured combined with temporary accommodation for pets
Temporary accommodation for pets
Up to 10% of sum insured combined with temporary accommodation
Temporary repairs
Yes
Buildings and structural improvements
Yes
Building materials
Up to $500
Demolition cost
Up to 10% of sum insured combined with debris removal cost
Debris removal
Up to 10% of sum insured combined with demolition cost
Landscaping
Yes, retaining walls, garden borders, pathways and paved areas. Up to $500 for plants
Gates and fences
Yes
Legal liability cover
Up to $20,000,000
Days unoccupied until cover stops
60
Other restrictions
-
Other benefits
If rebuild costs after an insured event are more than the greater of $50,000 or 10% of the sum insured, Build it Back Better will cover the cost of recommended resilience improvements for up to $5,000-$10,000 depending on policy coverage.
Classic Home Insurance
Main events covered
Fire
Theft
Storm
Flood
Monthly payments cost extra
yes
Underinsurance protection
No
New for old replacement
Yes
No Partner link
Details Close
Underinsurance protection
No
New for old
Yes
Building cover
n/a
Contents cover
Fire
Yes
Theft or burglary
Yes
Storm
Yes
Flood
Yes
Lightning
Yes
Earthquake
Yes
Storm surge
Yes
Fusion
Optional Extra, up to 10 years old
Power surge
No
Accidental loss and damage
Optional Extra
Accidental breakage of glass
Yes
Death and injury cover
$5,000 for death
Monthly payments cost extra
yes
General contents
Yes
Contents while moving
Yes
Antiques and valuables
Up to $10,000 per item, up to $50,000 in total, up to $2,000 for collections
Cash
No
Cd dvd and electronic files
Yes
Computer software and hardware
Yes
Camera and accessories
Yes
Carpets
Yes
Home office contents
Yes
Identity theft
No
Jewellery
Up to $2,000 per item, up to $4,000 in total
Personal medical equipment
Yes
Replacement of documents
Up to $500
Tools of trade
Up to $1,000
Lock replacement
Up to $500
Emergency storage
Up to 10% of sum insured
Temporary accommodation
Up to 10% of sum insured combined with temporary accommodation for pets
Temporary accommodation for pets
Up to 10% of sum insured combined with temporary accommodation
Temporary repairs
Yes
Buildings and structural improvements
No
Building materials
No
Demolition cost
No
Debris removal
Up to 10% of sum insured
Landscaping
No
Gates and fences
No
Legal liability cover
Up to $20,000,000
Days unoccupied until cover stops
60
Other restrictions
-
Other benefits
-
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
No Partner link
Details Close
Underinsurance protection
Optional Extra - Up to 25% of building sum insured
New for old
Yes
Building cover
Contents cover
Fire
Yes
Theft or burglary
Yes
Storm
Yes
Flood
Yes
Lightning
Yes
Earthquake
Yes
Storm surge
Yes
Fusion
Optional Extra, up to 10 years old
Power surge
No
Accidental loss and damage
Optional Extra
Accidental breakage of glass
Yes
Death and injury cover
$5,000 for death
Monthly payments cost extra
yes
General contents
Yes
Contents while moving
Yes
Antiques and valuables
Up to $10,000 per item, up to $50,000 in total, up to $2,000 for collections
Cash
No
Cd dvd and electronic files
Yes
Computer software and hardware
Yes
Camera and accessories
Yes
Carpets
Yes
Home office contents
Yes
Identity theft
No
Jewellery
Up to $2,000 per item, up to $4,000 in total
Personal medical equipment
Yes
Replacement of documents
Up to $500
Tools of trade
Up to $1,000
Lock replacement
Up to $500
Emergency storage
Up to 10% of sum insured
Temporary accommodation
Up to 10% of sum insured combined with temporary accommodation for pets
Temporary accommodation for pets
Up to 10% of sum insured combined with temporary accommodation
Temporary repairs
Yes
Buildings and structural improvements
Yes
Building materials
Up to $500
Demolition cost
Up to 10% of sum insured combined with debris removal cost
Debris removal
Up to 10% of sum insured combined with demolition cost
Landscaping
Yes, retaining walls, garden borders, pathways and paved areas. Up to $500 for plants
Gates and fences
Yes
Legal liability cover
Up to $20,000,000
Days unoccupied until cover stops
60
Other restrictions
-
Other benefits
If rebuild costs after an insured event are more than the greater of $50,000 or 10% of the sum insured, Build it Back Better will cover the cost of recommended resilience improvements for up to $5,000-$10,000 depending on policy coverage.
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
No Partner link
Details Close
Underinsurance protection
Yes - Up to 25% of sum insured
New for old
Yes
Building cover
Contents cover
n/a
Fire
Yes
Theft or burglary
Yes
Storm
Yes
Flood
Yes
Lightning
Yes
Earthquake
Yes
Storm surge
Yes
Fusion
Up to 10 years old
Power surge
No
Accidental loss and damage
Yes
Accidental breakage of glass
Yes
Death and injury cover
$5,000 for death
Monthly payments cost extra
yes
General contents
No
Contents while moving
No
Antiques and valuables
No
Cash
No
Cd dvd and electronic files
No
Computer software and hardware
No
Camera and accessories
No
Carpets
No
Home office contents
No
Identity theft
No
Jewellery
No
Personal medical equipment
No
Replacement of documents
No
Tools of trade
No
Lock replacement
Up to $1,000
Emergency storage
No
Temporary accommodation
Up to 10% of sum insured combined with temporary accommodation for pets
Temporary accommodation for pets
Up to 10% of sum insured combined with temporary accommodation
Temporary repairs
Yes
Buildings and structural improvements
Yes
Building materials
Up to $1,000
Demolition cost
Up to 15% of sum insured combined with debris removal cost
Debris removal
Up to 15% of sum insured combined with demolition cost
Landscaping
Yes, retaining walls, garden borders, pathways and paved areas. Up to $1,000 for plants
Gates and fences
Yes
Legal liability cover
Up to $20,000,000
Days unoccupied until cover stops
60
Other restrictions
-
Other benefits
If rebuild costs after an insured event are more than the greater of $50,000 or 10% of the sum insured, Build it Back Better will cover the cost of recommended resilience improvements for up to $5,000-$10,000 depending on policy coverage.
Classic Extras Home Insurance
Main events covered
Fire
Theft
Storm
Flood
Monthly payments cost extra
yes
Underinsurance protection
No
New for old replacement
Yes
No Partner link
Details Close
Underinsurance protection
No
New for old
Yes
Building cover
n/a
Contents cover
Fire
Yes
Theft or burglary
Yes
Storm
Yes
Flood
Yes
Lightning
Yes
Earthquake
Yes
Storm surge
Yes
Fusion
Up to 10 years old
Power surge
No
Accidental loss and damage
Yes
Accidental breakage of glass
Yes
Death and injury cover
$5,000 for death
Monthly payments cost extra
yes
General contents
Yes
Contents while moving
Yes
Antiques and valuables
Up to $20,000 per item, up to $80,000 in total, up to $5,000 for collections
Cash
No
Cd dvd and electronic files
Yes
Computer software and hardware
Yes
Camera and accessories
Yes
Carpets
Yes
Home office contents
Yes
Identity theft
No
Jewellery
Up to $3,000 per item, up to $10,000 in total
Personal medical equipment
Yes
Replacement of documents
Up to $1,000
Tools of trade
Up to $2,000
Lock replacement
Up to $1,000
Emergency storage
Up to 10% of sum insured
Temporary accommodation
Up to 10% of sum insured combined with temporary accommodation for pets
Temporary accommodation for pets
Up to 10% of sum insured combined with temporary accommodation
Temporary repairs
Yes
Buildings and structural improvements
No
Building materials
No
Demolition cost
No
Debris removal
Up to 15% of sum insured
Landscaping
No
Gates and fences
No
Legal liability cover
Up to $20,000,000
Days unoccupied until cover stops
60
Other restrictions
-
Other benefits
-
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
No Partner link
Details Close
Underinsurance protection
Yes - Up to 25% of building sum insured
New for old
Yes
Building cover
Contents cover
Fire
Yes
Theft or burglary
Yes
Storm
Yes
Flood
Yes
Lightning
Yes
Earthquake
Yes
Storm surge
Yes
Fusion
Up to 10 years old
Power surge
No
Accidental loss and damage
Yes
Accidental breakage of glass
Yes
Death and injury cover
$5,000 for death
Monthly payments cost extra
yes
General contents
Yes
Contents while moving
Yes
Antiques and valuables
Up to $20,000 per item, up to $80,000 in total, up to $5,000 for collections
Cash
No
Cd dvd and electronic files
Yes
Computer software and hardware
Yes
Camera and accessories
Yes
Carpets
Yes
Home office contents
Yes
Identity theft
No
Jewellery
Up to $3,000 per item, up to $10,000 in total
Personal medical equipment
Yes
Replacement of documents
Up to $1,000
Tools of trade
Up to $2,000
Lock replacement
Up to $1,000
Emergency storage
Up to 10% of sum insured
Temporary accommodation
Up to 10% of sum insured combined with temporary accommodation for pets
Temporary accommodation for pets
Up to 10% of sum insured combined with temporary accommodation
Temporary repairs
Yes
Buildings and structural improvements
Yes
Building materials
Up to $1,000
Demolition cost
Up to 15% of sum insured combined with debris removal cost
Debris removal
Up to 15% of sum insured combined with demolition cost
Landscaping
Yes, retaining walls, garden borders, pathways and paved areas. Up to $1,000 for plants
Gates and fences
Yes
Legal liability cover
Up to $20,000,000
Days unoccupied until cover stops
60
Other restrictions
-
Other benefits
If rebuild costs after an insured event are more than the greater of $50,000 or 10% of the sum insured, Build it Back Better will cover the cost of recommended resilience improvements for up to $5,000-$10,000 depending on policy coverage.
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
No Partner link
Details Close
Underinsurance protection
Yes - Up to 30% of sum insured
New for old
Yes
Building cover
Contents cover
n/a
Fire
Yes
Theft or burglary
Yes
Storm
Yes
Flood
Yes
Lightning
Yes
Earthquake
Yes
Storm surge
Yes
Fusion
Up to 10 years old
Power surge
No
Accidental loss and damage
Yes
Accidental breakage of glass
Yes
Death and injury cover
$5,000 for death
Monthly payments cost extra
yes
General contents
No
Contents while moving
No
Antiques and valuables
No
Cash
No
Cd dvd and electronic files
No
Computer software and hardware
No
Camera and accessories
No
Carpets
No
Home office contents
No
Identity theft
No
Jewellery
No
Personal medical equipment
No
Replacement of documents
No
Tools of trade
No
Lock replacement
Up to $2,500
Emergency storage
No
Temporary accommodation
Up to 15% of sum insured combined with temporary accommodation for pets
Temporary accommodation for pets
Up to 15% of sum insured combined with temporary accommodation
Temporary repairs
Yes
Buildings and structural improvements
Yes
Building materials
Up to $2,000
Demolition cost
Up to 20% of sum insured combined with debris removal cost
Debris removal
Up to 20% of sum insured combined with demolition cost
Landscaping
Yes, retaining walls, garden borders, pathways and paved areas. Up to $2,000 for plants
Gates and fences
Yes
Legal liability cover
Up to $20,000,000
Days unoccupied until cover stops
60
Other restrictions
-
Other benefits
If rebuild costs after an insured event are more than the greater of $50,000 or 10% of the sum insured, Build it Back Better will cover the cost of recommended resilience improvements for up to $5,000-$10,000 depending on policy coverage.
Classic Advantages Home Insurance
Main events covered
Fire
Theft
Storm
Flood
Monthly payments cost extra
yes
Underinsurance protection
No
New for old replacement
Yes
No Partner link
Details Close
Underinsurance protection
No
New for old
Yes
Building cover
n/a
Contents cover
Fire
Yes
Theft or burglary
Yes
Storm
Yes
Flood
Yes
Lightning
Yes
Earthquake
Yes
Storm surge
Yes
Fusion
Up to 10 years old
Power surge
No
Accidental loss and damage
Yes
Accidental breakage of glass
Yes
Death and injury cover
$5,000 for death
Monthly payments cost extra
yes
General contents
Yes
Contents while moving
Yes
Antiques and valuables
Up to $200,000, up to $50,000 for collections
Cash
No
Cd dvd and electronic files
Yes
Computer software and hardware
Yes
Camera and accessories
Yes
Carpets
Yes
Home office contents
Yes
Identity theft
No
Jewellery
Up to $10,000 per item, up to $40,000 in total
Personal medical equipment
Yes
Replacement of documents
Up to $2,000
Tools of trade
Up to $5,000
Lock replacement
Up to $2,500
Emergency storage
Up to 20% of sum insured
Temporary accommodation
Up to 15% of sum insured combined with temporary accommodation for pets
Temporary accommodation for pets
Up to 15% of sum insured combined with temporary accommodation
Temporary repairs
Yes
Buildings and structural improvements
No
Building materials
No
Demolition cost
No
Debris removal
Up to 20% of sum insured
Landscaping
No
Gates and fences
No
Legal liability cover
Up to $20,000,000
Days unoccupied until cover stops
60
Other restrictions
-
Other benefits
-
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
No Partner link
Details Close
Underinsurance protection
Yes - Up to 30% of building sum insured
New for old
Yes
Building cover
Contents cover
Fire
Yes
Theft or burglary
Yes
Storm
Yes
Flood
Yes
Lightning
Yes
Earthquake
Yes
Storm surge
Yes
Fusion
Up to 10 years old
Power surge
No
Accidental loss and damage
Yes
Accidental breakage of glass
Yes
Death and injury cover
$5,000 for death
Monthly payments cost extra
yes
General contents
Yes
Contents while moving
Yes
Antiques and valuables
Up to $200,000, up to $50,000 for collections
Cash
No
Cd dvd and electronic files
Yes
Computer software and hardware
Yes
Camera and accessories
Yes
Carpets
Yes
Home office contents
Yes
Identity theft
No
Jewellery
Up to $10,000 per item, up to $40,000 in total
Personal medical equipment
Yes
Replacement of documents
Up to $2,000
Tools of trade
Up to $5,000
Lock replacement
Up to $2,500
Emergency storage
Up to 20% of sum insured
Temporary accommodation
Up to 15% of sum insured combined with temporary accommodation for pets
Temporary accommodation for pets
Up to 15% of sum insured combined with temporary accommodation
Temporary repairs
Yes
Buildings and structural improvements
Yes
Building materials
Up to $2,000
Demolition cost
Up to 20% of sum insured combined with debris removal cost
Debris removal
Up to 20% of sum insured combined with demolition cost
Landscaping
Yes, retaining walls, garden borders, pathways and paved areas. Up to $2,000 for plants
Gates and fences
Yes
Legal liability cover
Up to $20,000,000
Days unoccupied until cover stops
60
Other restrictions
-
Other benefits
If rebuild costs after an insured event are more than the greater of $50,000 or 10% of the sum insured, Build it Back Better will cover the cost of recommended resilience improvements for up to $5,000-$10,000 depending on policy coverage.
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Overall customer rating for Suncorp home insurance
4.0
Price
3.6
Features
4.0
Customer service
4.0
Convenience
3.9
Trust
4.0
Based on 305 product reviews.
Customer reviews
Important disclosures
Important disclosures
Important information about the Mozo customer ratings
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.
Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. More about the Mozo customer ratings.
P
Paul
Queensland -
Product name: Classic Home Insurance
4.5
Worth while checking them out.
Multi policy discount and covers most things that matter.
Price
4.5
Features
4.5
Service
5.0
Trust
4.5
K
Karen
Queensland -
1.0
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.
Price
1.5
Features
3.0
Service
2.0
G
Gavan
Queensland -
4.5
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.
Price
3.0
Features
4.0
Service
5.0
Convenience
4.5
Trust
4.0
J
Janette
Queensland -
Product name: Classic Home Insurance
5.0
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
Price
5.0
Features
5.0
Service
5.0
Convenience
5.0
Trust
4.5
K
Karen
Queensland -
0.5
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.
*
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
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Important information on terms, conditions and sub-limits
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.