Sure insures home and contents for mainland regional Queensland.  From Bundaberg to the Cape, to Mt Isa in the west, we offer insurance in the following regions: Bundaberg, Widebay, Rockhampton, Marlbourgh, Mackay, Proserpine, Townsville, Ingham, Cairns, Cape York, Mt Isa and inland regional Queensland.

  • Home – covers your building(s) and fixtures at the insured address
  • Contents – covers your household goods and personal items
  • Home and Contents – covers your building(s), fixtures, household goods and personal items.

Yes, cyclone, flood and bushfire are automatically included in you cover.

For full details of what is covered please refer to the PDS.

We do not cover you for any loss or damage caused by a bushfire, storm or rainwater runoff (including cyclone), flood (including water runoff) or tsunami within the first 72 hours of your policy commencing unless you are renewing a policy with us, commencing a new policy with us at the expiration of another policy which covered the same risks or have purchased a new home.

For full details of what is covered please refer to the PDS.

Your home sum insured is the amount you choose to cover your home. It needs to be sufficient to cover the cost to rebuild your home if it is totally destroyed as a result of an insured event, including any additional costs to comply with current building laws. It is your responsibility to make sure that your home is insured for its full current replacement value, including GST. When calculating the sum insured for your home do not include its’ land value.

For more information on what should be included in your home sum insured please refer to the PDS or go to our building sum insured calculator.

Your contents sum insured is the amount you choose to cover your household goods and personal items. It needs to be sufficient to cover the cost to replace all of your contents if they are totally destroyed as a result of an insured event. It is your responsibility to make sure that your contents are insured for their full current replacement value, including GST.

For more information on what should be included in your contents sum insured please refer to the PDS or go to our contents sum insured calculator at building sum insured calculator.

You must:

  • keep your home and/or contents in ‘good condition’ as defined in the PDS
  • take all reasonable precautions to prevent theft, loss or damage to any property insured under your policy.
  • comply with all of the terms and conditions of your policy.
  • provide us the information we request from you when making a claim under your policy.
  • ensure that your home complies with all relevant local government and/or statutory requirements.

For further details please refer to Important Information in the PDS.

While Sure Insurance is dedicated to putting fairness first, we don’t claim to be the cheapest every time. What we do say is we’ll save customers about 30 per cent on their insurance premiums on average.

 

We base this analysis on more than 11,000 quotes collected in 2019 from regional Queensland between Bundaberg and Cape York.  Based upon the sample average, Sure Insurance was 30 per cheaper, but there were rare occasions when we were more expensive.

 

So why is Sure we sometimes more expensive? Insurance fundamentally is the purpose of spreading the risk amongst a large number of policy holders with similar risk profiles over a period of time.

 

‘Similar risk profiles’, is one of the key differences we’re trying to achieve at Sure. Our goal is make the effort to risk rate your property based on your specific circumstances and those of your property. We’ll ask questions about your individual property, not just your postcode.

 

Take Townsville for example. We don’t see Townsville as one giant flood risk. In fact, our data shows 69 per cent of the houses in Townsville have a zero flood risk. That means we don’t charge 69 per cent of the homes in Townsville for flood as that simply wouldn’t be fair.

 

What this does mean however, is there is no cross subsidisation for those homes which are deemed to be high flood. While this is unfortunate for these people, we believe it’s fairer for the majority and is at the heart of our ‘similar risk profiles’ principle.

 

Because we’re committed to fairness, we don’t just forget about those in areas with higher risks, so we offer some substantial discounts if certain mitigation measure have been put in place. These include:

 

  • Up to 30% off the cyclone premium if you have had a full roof replacement, plus a further 10% off if you have installed cyclone shutters, plus a further 5% if you have cyclone ready roller doors and sheds.

 

  • Similar for flood mitigation, 20% off the flood premium if barriers have been installed, plus a further 10% if flood resistant doors and windows have been installed, and a further 5 % if anti-backflow valves have been installed.

 

  • Bushfire, 30% off the bushfire component, for sprinkler systems and 5% for gutter guards.

 

We won’t always be the cheapest, but we do promise our customers fairness and transparency as we strive to challenge the status quo and proactively make home insurance fairer for regional Queenslanders.

Sign in at Sure Self Service. We have stored all of your quotes in one place, which will help you when you come to buy your policy. After you’ve signed in, you can accept a quotation to set up your policy.

Quotes remain valid for up to 30 days.

Call Sure on 1300 392 535 and we will update the details for you.

We are constantly improving and will have this available soon. Until then, for all policy changes, please call Sure on 1300 392 535 and we will update the details for you.

Sign in at Sure Self Service, to see all valid quotes and view all copies of your policy documents.

Simply call 1300 392 535 or start your claim online at sure-insurance.com.au/claims

We will settle your claim utilising our repairers and suppliers to ensure you’re put back in the position you were prior to the loss or damage that has occurred.

You may be entitled to a cash settlement if we are unable to repair or replace your items.

We prioritise the use of local tradespeople, suppliers and where possible the job completed at a competitive price and quality.

Call Sure on 1300 392 535 and we will process the payment for you.

  • Call Sure on 1300 392 535 and pay with your credit/debit card.
  • Pay via your bank using BPay.
  • We will send you details of your renewal prior to your due date to give you plenty of time to pay for it or update your details
  • Or alternatively you can set up an automatic direct debit, which will automatically renew each year unless you tell us to stop.

Have another question?

Fill in the form and we’ll get back to you as soon as possible.

Fairness First

You’re in safe hands with Sure.

Sure Insurance is Queensland owned and operated. We have partnered with global insurer, Liberty Mutual Insurance Company (Liberty), who underwrite your policy. In Australia, Liberty is licensed and regulated by the Australian Prudential Regulation Authority (APRA) and meets all prudential requirements

All financial services in connection with your policy are provided by us, on behalf of Liberty, under our Australian Financial Services Licence (AFSL 506378). Contact us for more information.