Suncorp - Home & Contents Insurance

Suncorp Home & Contents Insurance Review

Rates and fees information correct as at 25 September 2018.

Review published: 20 September 2017

What's hot:

  • Underinsurance protection

  • Multipolicy and online discounts

  • 2018 Mozo Experts Choice Winner

What's not:

  • Monthly payment fee

Mozo snapshot:

Looking for a new home and contents insurance policy or thinking of switching? The Suncorp Classic Advantages Home and Contents Insurance Policy has won a 2018 Mozo Experts Choice Award in the Exceptional Quality category. Not only does the Suncorp Classic Advantages policy provide underinsurance protection, but with new for old replacement for your belongings and the option of choosing your excess, you can tailor it to best suit your budget. Plus buy your policy online and you’ll get $100 off.

Key features:

While we all hope that we’ll never have to make a major insurance claim, sometimes things do happen beyond our control and Suncorp Classic Advantages Home Insurance will cover you when they do.  The policy includes cover for 14 key events like fires, theft, storm and flood and it also includes cover for accidental loss or damage.

Lock replacements and temporary accommodation for you and your pet if your home isn’t able to be lived in for up to 12 months (up to 10% of the sum insured) are covered. If you’re looking to give your furry friend more than just a roof over their head, you also have the optional extra of adding veterinary expenses to your policy that’ll cover you if your pet is ever injured or falls ill.

When it comes to your contents inside your home, Suncorp Classic Advantages Home Insurance have you covered there too. No matter what you own, from movies to music or antiques that have been passed down through generations, they’ll be covered. Your jewellery, cash and credit cards will also be covered along with other personal medical equipment or trade tools you may own. Some items do have cover limits so be sure that if you do own expensive jewellery or antiques you will be ok with the standard limits, otherwise it is best to get extra cover for these. Be sure to read the PDS in full to understand the per item limits and maximums.

As you are on the lookout for the perfect policy, it’s important you know that like many other home insurance policies storm and power surges along with inventory are not covered under Suncorp Classic Advantages Home Insurance.

If you buy your policy online you’ll get $100 off and there is also a multipolicy discount if you bundle this with other insurance products like car insurance, which could help you to save.

Who it's good for:

Suncorp Classic Advantages Home Insurance is available Australia wide and is a great choice for homeowners that want cover for their home from the inside out. If you live in Queensland and have a seniors card, you’ll  also be eligible for a discount so be sure to mention this when signing up.


Any catches?

While you’ll be able to pay your premium on a monthly basis, be aware that you will be paying extra for this.


How is Suncorp home insurance rated by the Mozo community?

Product Type Overall Rating Price Features Service Claims Handling Trust
Suncorp home insurance
8.1

Based on 259
Suncorp home insurance reviews

7.1 7.9 7.9 7.8 8.0

Latest reviews of Suncorp Home & Contents Insurance

Suncorp

Suncorp Classic Extras Home Insurance home insurance review

Overall rating   7 / 10

Good

Never bother me

Full review

Never bother me

    Value for money   7 / 10

    Policy coverage   7 / 10

    Customer service   7 / 10

    Claims handling   7 / 10

    Trust   7 / 10

Less

Lindsay, Queensland, reviewed 8 months ago

Suncorp

Suncorp Classic Extras Home Insurance home insurance review

Overall rating   5 / 10

Premiums going up and I never had to put claim

It was ok at first, but I've never a claim and Suncorp keeps putting my premium up.

Full review

It was ok at first, but I've never a claim and Suncorp keeps putting my premium up.

    Value for money   5 / 10

    Policy coverage   5 / 10

    Customer service   5 / 10

    Claims handling   6 / 10

    Trust   6 / 10

Less

Deborah, Queensland, reviewed 8 months ago

Suncorp

Suncorp Classic Extras Home Insurance home insurance review

Overall rating   8 / 10

Satisfied customer

Helpful and east to deal with

Full review

Helpful and east to deal with

    Value for money   8 / 10

Less

Dyan, Queensland, reviewed about 1 year ago

Suncorp

Suncorp Classic Extras Home Insurance home insurance review

Overall rating   5 / 10

Good cover but you pay a lot for it

They do instant flooding cover however it is becoming more and more expensive.

Full review

They do instant flooding cover however it is becoming more and more expensive.

    Value for money   7 / 10

Less

Melissa, Queensland, reviewed about 1 year ago

Suncorp

Suncorp Classic Extras Home Insurance home insurance review

Overall rating   7 / 10

Very good service

Have had no problems with them for many years.

Full review

Have had no problems with them for many years.

    Value for money   5 / 10

Less

Dean, Queensland, reviewed about 1 year ago

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. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Currently showing

Policy and service features

  • 60

  • Yes - Up to 25% of sum insured

  • $0

  • Multipolicy, QLD Seniors Card, $100 Online Discount

  • Up to 90 days, up to 20% of sum insured

  • Up to $20,000,000

Events

  • Up to 10 years old

Buildings

  • Up to $1,000

  • Up to $1,000

  • Up to 2km

Contents

  • Up to $400

  • Up to $2,500

  • Software and Hardware up to sum insured

  • Optional extra

  • Up to $5,000 per item

  • Up to $20,000 per item, up to $80,000 in total, up to $5,000 for collections

  • Up to $2,500 per item, up to $10,000 in total

  • Up to $700

  • Up to $1,000

  • Up to $1,500

  • Up to $2,000

  • Up to $15,000

Other cover

  • Up to $5,000, up to $7,500 for injury

  • Optional extra

  • Up to $1,000

  • Up to 12 months, up to 10% of sum insured

  • Up to 12 months

  • Up to 10% of sum insured

  • Up to 15% of sum insured combined with demolition cost

  • Up to 15% of sum insured combined with debris removal cost

  • Up to 14 days

Policy and service features

  • 60

  • Yes - Up to 30% of sum insured

  • $0

  • Multipolicy, QLD Seniors Card, $100 Online Discount

  • Up to 90 days, up to 20% of sum insured

  • Up to $20,000,000

Events

  • Up to 10 years old

Buildings

  • Up to $2,000

  • Up to $2,000

  • Up to 2km

Contents

  • Up to $500

  • Up to $5,000

  • Software and Hardware up to sum insured

  • Optional extra

  • Up to $200,000, up to $50,000 for collections

  • Up to $10,000 per item, up to $40,000 in total

  • Up to $1,000

  • Up to $2,000

  • Up to $5,000

  • Up to $5,000

  • Up to $20,000

Other cover

  • Up to $5,000, up to $10,000 for injury

  • Optional extra

  • Up to $2,500

  • Up to 24 months, up to 10% of sum insured

  • Up to 24 months

  • Up to 20% of sum insured

  • Up to 20% of sum insured combined with demolition cost

  • Up to 20% of sum insured combined with debris removal cost

  • Up to 14 days

Policy and service features

  • 60

  • Optional Extra - Up to 25% of sum insured

  • $0

  • Multipolicy, QLD Seniors Card, $100 Online Discount

  • Up to 90 days, up to 20% of sum insured

  • Up to $20,000,000

Events

  • Optional extra

  • Optional extra

Buildings

  • Up to $500

  • Up to $500

  • Up to 2km

Contents

  • Up to $300

  • Up to $1,500

  • Software and Hardware up to sum insured

  • Optional extra

  • Up to $2,000 per item

  • Up to $10,000 per item, up to $50,000 in total, up to $2,000 for collections

  • Up to $1,000 per item, up to $4,000 in total

  • Up to $500

  • Up to $500

  • Up to $1,000

  • Up to $1,000

  • Up to $10,000

Other cover

  • Up to $5,000 for either death or injury

  • Optional extra

  • Up to $500

  • Up to 12 months, up to 10% of sum insured

  • Up to 12 months

  • Up to 10% of sum insured

  • Up to 10% of sum insured combined with demolition cost

  • Up to 10% of sum insured combined with debris removal cost

  • Up to 14 days

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

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