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Suncorp Home & Contents Insurance

Advertiser disclosure
The details shown below are for the Classic Home Insurance
The details shown below are for the Classic Extras Home Insurance
The details shown below are for the Classic Advantages Home Insurance

Choose the version of this product that suits you best

Name
Classic Home Insurance
Classic Extras Home Insurance
Classic Advantages Home Insurance
  • Classic Home Insurance
  • Classic Extras Home Insurance
  • Classic Advantages Home Insurance
Important information on terms, conditions and sub-limits
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
Contents cover
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
Contents cover
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
Contents cover

Mozo editorial review Suncorp Home & Contents Insurance - last updated: 5 August 2020

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What's hot
  • Underinsurance protection
  • Multipolicy and online discounts
What's not
  • Monthly payment fee
Mozo snapshot

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. 

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Key features

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.

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Who is it good for

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.


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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.


Details

Cover information and limits in the table below correct as at 29 March 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Policy and service features

60

Optional Extra - Up to 25% of building sum insured

Yes

$200

true

no

Multipolicy, QLD Seniors Card, $100 Online Discount

Yes

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.

n/a

Events

Optional Extra

Yes

Yes

Yes

Yes

Yes

Yes

Optional Extra, up to 10 years old

No

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Buildings

Yes

Up to $500

Up to $500 for plants

Yes

Contents

No

Up to $1,500

Yes

Yes

Yes

Yes

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 $2,000 per item, up to $4,000 in total

No

Up to $500

No

Yes

Up to $1,000

No

Yes

Other cover

$5,000 for death

Optional Extra, up to $2,000

Up to $500

Up to 10% of sum insured combined with temporary accommodation for pets

Up to 10% of sum insured combined with temporary accommodation

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

No

Up to 14 days for contents

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.

Details

Cover information and limits in the table below correct as at 29 March 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Policy and service features

60

Yes - Up to 25% of building sum insured

Yes

$200

true

no

Multipolicy, QLD Seniors Card, $100 Online Discount

Yes

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.

n/a

Events

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Up to 10 years old

No

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Buildings

Yes

Up to $1,000

Up to $1,000 for plants

Yes

Contents

No

Up to $2,500

Yes

Yes

Yes

Yes

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 $3,000 per item, up to $10,000 in total

No

Up to $1,000

No

Yes

Up to $2,000

No

Yes

Other cover

$5,000 for death

Optional Extra, up to $2,000

Up to $1,000

Up to 10% of sum insured combined with temporary accommodation for pets

Up to 10% of sum insured combined with temporary accommodation

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

No

Up to 14 days for contents

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.

Details

Cover information and limits in the table below correct as at 29 March 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Policy and service features

60

Yes - Up to 30% of building sum insured

Yes

$200

true

no

Multipolicy, QLD Seniors Card, $100 Online Discount

Yes

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.

n/a

Events

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Up to 10 years old

No

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Buildings

Yes

Up to $2,000

Up to $2,000 for plants

Yes

Contents

No

Up to $5,000

Yes

Yes

Yes

Yes

Yes

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

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

No

Up to $2,000

No

Yes

Up to $5,000

No

Yes

Other cover

$5,000 for death

Optional Extra, up to $2,000

Up to $2,500

Up to 15% of sum insured combined with temporary accommodation for pets

Up to 15% of sum insured combined with temporary accommodation

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

No

Up to 14 days for contents

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.

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