Choose the version of this product that suits you best
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Classic Home Insurance |
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Classic Extras Home Insurance |
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Classic Advantages Home Insurance |
Looking for a new home and contents insurance policy or thinking of switching? Consider one of Suncorp's tiered levels of comprehensive cover. All levels provide new for old replacement for your belongings, multipolicy and online discounts, plus the option of choosing your excess, so you can tailor it to best suit your budget.
While we all hope we’ll never have to make a major insurance claim, sometimes things do happen beyond our control, and Suncorp Home & Contents Insurance Classic will cover you when they do. This cover comes in three tiers: Classic, Classic Extras, and Classic Advantages. These come at three ascending price points and matching enhanced coverage, with Classic Advantages being the highest level of cover.
If you take the middle ground with the Classic Extras cover, you'll be sorted for key events like fires, theft, storm and flood, as well as additional inclusions like cover for accidental damage to your home.
Pets are also considered a high priority with Suncorp's mid-range policy. You'll be covered for 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). 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 the contents inside your home, Suncorp Classic Extras Home Insurance have you covered there too. 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 for each policy tier.
It’s important to note that, like many other home insurance policies, storm and power surges along with inventory are not covered under Suncorp Classic Extras 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.
Suncorp Classic Extras Home Insurance is available Australia wide and is a great choice for homeowners who want cover for their home, inside and 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.
While you’ll be able to pay your premium on a monthly basis, be aware that you will be paying extra for this.
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Optional Extra - Up to 25% of building sum insured |
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Yes |
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$200 |
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true |
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no |
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Multipolicy, QLD Seniors Card, $100 Online Discount |
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Yes |
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Up to 90 days, up to 20% of sum insured |
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Yes |
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Up to $20,000,000 |
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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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n/a |
Optional Extra |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Optional Extra, up to 10 years old |
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No |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
Yes |
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Up to $500 |
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Up to $500 for plants |
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Yes |
No |
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Up to $1,500 |
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Yes |
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Yes |
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Yes |
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Yes |
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Up to $2,000 per item |
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Up to $10,000 per item, up to $50,000 in total, up to $2,000 for collections |
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Up to $2,000 per item, up to $4,000 in total |
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No |
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Up to $500 |
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No |
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Yes |
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Up to $1,000 |
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No |
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Yes |
$5,000 for death |
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Optional Extra, up to $2,000 |
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Up to $500 |
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Up to 10% of sum insured combined with temporary accommodation for pets |
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Up to 10% of sum insured combined with temporary accommodation |
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Up to 10% of sum insured |
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Up to 10% of sum insured combined with demolition cost |
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Up to 10% of sum insured combined with debris removal cost |
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No |
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Up to 14 days for contents |
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Yes |
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.
60 |
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Yes - Up to 25% of building sum insured |
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Yes |
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$200 |
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true |
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no |
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Multipolicy, QLD Seniors Card, $100 Online Discount |
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Yes |
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Up to 90 days, up to 20% of sum insured |
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Yes |
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Up to $20,000,000 |
|
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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n/a |
Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Up to 10 years old |
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No |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
Yes |
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Up to $1,000 |
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Up to $1,000 for plants |
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Yes |
No |
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Up to $2,500 |
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Yes |
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Yes |
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Yes |
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Yes |
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Up to $5,000 per item |
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Up to $20,000 per item, up to $80,000 in total, up to $5,000 for collections |
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Up to $3,000 per item, up to $10,000 in total |
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No |
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Up to $1,000 |
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No |
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Yes |
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Up to $2,000 |
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No |
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Yes |
$5,000 for death |
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Optional Extra, up to $2,000 |
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Up to $1,000 |
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Up to 10% of sum insured combined with temporary accommodation for pets |
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Up to 10% of sum insured combined with temporary accommodation |
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Up to 10% of sum insured |
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Up to 15% of sum insured combined with demolition cost |
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Up to 15% of sum insured combined with debris removal cost |
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No |
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Up to 14 days for contents |
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Yes |
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.
60 |
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Yes - Up to 30% of building sum insured |
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Yes |
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$200 |
|
true |
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no |
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Multipolicy, QLD Seniors Card, $100 Online Discount |
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Yes |
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Up to 90 days, up to 20% of sum insured |
|
Yes |
|
Up to $20,000,000 |
|
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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n/a |
Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Up to 10 years old |
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No |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
Yes |
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Up to $2,000 |
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Up to $2,000 for plants |
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Yes |
No |
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Up to $5,000 |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Up to $200,000, up to $50,000 for collections |
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Up to $10,000 per item, up to $40,000 in total |
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No |
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Up to $2,000 |
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No |
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Yes |
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Up to $5,000 |
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No |
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Yes |
$5,000 for death |
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Optional Extra, up to $2,000 |
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Up to $2,500 |
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Up to 15% of sum insured combined with temporary accommodation for pets |
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Up to 15% of sum insured combined with temporary accommodation |
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Up to 20% of sum insured |
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Up to 20% of sum insured combined with demolition cost |
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Up to 20% of sum insured combined with debris removal cost |
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No |
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Up to 14 days for contents |
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Yes |
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.
Discounts with multiple policies. worth having
Read full reviewDiscounts with multiple policies. worth having
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
Read full reviewOur 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
no complaints here, ask and ye shal recieve
Read full reviewno complaints here, ask and ye shal recieve
Very satisfied with my claim when my roof was damaged by hail about 2 years ago.
Read full reviewVery satisfied with my claim when my roof was damaged by hail about 2 years ago.
Suncorp home insurance is very expensive , and although we have never made a claim our premiums continue to increase each year. We even have a huge excess to try and make it cheaper but that doesn’t make much difference
Read full reviewSuncorp home insurance is very expensive , and although we have never made a claim our premiums continue to increase each year. We even have a huge excess to try and make it cheaper but that doesn’t make much difference