Under Suncorp Classic Advantages Home Insurance, you’ll be able to insure your contents against 14 listed events that range from floods to fires, accidental damage and riots. However, while you are able to protect your contents from heaps of life’s unexpected disasters, you should know that this policy doesn’t include cover for any storm or power surges that damage your belongings.
No matter what you like to collect, store or keep inside your home, Suncorp Classic Advantages Home Insurance will provide cover up to the sum insured. Under this policy, you’ll be able to get cover for cash or credit cards, along with any antiques, jewellery, trade tools or other valuables you may have. If you like to take photos, you're in luck as you can also get cover for your camera and its accessories. The cost to replace important documents, like birth or marriage certificates will also be covered along with identity theft should the documents be stolen. Be sure that you check the policy detail to make sure you’re aware of any per item limits.
Suncorp Classic Advantages Home Insurance also provides the optional extra of getting cover for veterinary expenses if your pet gets injured or falls ill. Suncorp Classic Advantages Home Insurance will also cover the cost of any lock replacements, temporary accommodation for you and your pet, emergency storage and much more.
Who it's good for:
Suncorp Classic Advantages Home Insurance is available Australia-wide and a good option for anyone looking for a thorough level of cover to protect their home’s contents. Also, if you live in Queensland and have a seniors card, you’ll be eligible for an additional discount.
Suncorp Classic Advantages Home Insurance does not offer underinsurance protection, which means that if you haven’t insured your contents for the true market value, you will only be paid the sum insured amount should they be damaged or stolen. One of the best ways to ensure that you’ve got the right level of cover is when first creating your list of contents to cover, insure the items for their total replacement value, not what their current value is or what you paid for them.
While you will have the option to pay your premium monthly, just keep in mind that you will need to pay extra for this.