Sure Insurance building insurance: what each policy covers, and who underwrites it
2 building policies from Sure Insurance. For each: how the building is valued, whether flood and accidental damage are covered, and what happens once the building is left empty, with the sentence from its own documents. Underwritten by Pacific International Insurance Pty Limited and The New India Assurance Co. Ltd. and Chubb Insurance Australia Limited and QBE Insurance (Australia) Limited.
- Website
- sure-insurance.com.au/
- What it is
- Underwriting agency
- Listed on
- Houses and rental properties, Apartment and unit buildings (strata)
- Underwriter
- Pacific International Insurance Pty Limited and The New India Assurance Co. Ltd. and Chubb Insurance Australia Limited and QBE Insurance (Australia) Limited
- APRA
- Authorised by APRA to write new general insurance (listed as Pacific International Insurance Pty Limited)
Authorised by APRA to write new general insurance (listed as The New India Assurance Co. Limited)
Authorised by APRA to write new general insurance (listed as Chubb Insurance Australia Ltd)
Authorised by APRA to write new general insurance (listed as QBE Insurance (Australia) Limited) - Sold by
- Sure Insurance Pty Ltd · AFSL 506378
Building policies
Sure Home and Contents Insurance (home building cover)
- Type
- Home building · Residential
- Sold
- Direct or through a broker
- Building valued as
- Sum insured
- Flood
- Included
- Accidental damage
- Optional extra
- Left empty
- No cover after 90 days. You must tell the insurer. Unless you told Sure beforehand and it is shown on the Certificate of Insurance. Unoccupied means no one slept and ate there two nights running in the 90 days.
- Who it is for
- Homes (owner-occupied or rented out) in regional Queensland, excluding Greater Brisbane, Greater Gold Coast and Greater Sunshine Coast regions.
- Sold in
- QLD
- Documents
- Home and Contents Product Disclosure Statement PDS06/2025 (effective 1 August 2025) (1 August 2025) · Key Facts Sheet - Home Building (KFSB 2025-08-01) (1 August 2025) · Target Market Determination - Home and Contents (effective 26 June 2026) (26 June 2026) · Important documents index
- The same policy covers owner-occupiers and landlords who rent out all or part of the home; accidental damage is not covered if the home is rented to another person (KFS).
- Home Insurance TMD says homes outside regional Queensland are outside the target market.
The policy
“This Product Disclosure Statement (PDS) and any Supplementary PDS (SPDS) are important legal documents that contain details of your Sure Home and Contents Insurance policies.”
Source: sure-insurance.com.au/wp-content/uploads/FA-SUR5014_HC-PDS_A5_AUG-2025_DIGITAL_FA_.pdf · Confirmed on the insurer's page on 13 November 2026.
Underwriter
“This policy is underwritten by Pacific International Insurance Pty Limited (ABN 83 169 311 193, AFSL 523921), trading as Pacific International (Pacific); The New India Assurance Co. Ltd. (ABN 93 000 151 593) (New India Assurance), Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) (Chubb) and QBE Insurance (Australia) Limited (ABN 78 003 191 035 AFSL 239545).”
Source: sure-insurance.com.au/wp-content/uploads/FA-SUR5014_HC-PDS_A5_AUG-2025_DIGITAL_FA_.pdf · Confirmed on the insurer's page on 13 November 2026.
How it is sold
“The product is designed to be purchased via: • the Sure Insurance Call Centre, by calling 1300 392 535; or • a Sure Authorised Insurance Broker (see our website for details).”
Source: sure-insurance.com.au/wp-content/uploads/Sure-HC-TMD-PDS-062025.pdf · Confirmed on the insurer's page on 13 November 2026.
How the building is valued
“Your home sum insured is the amount you choose to cover your home.”
Source: sure-insurance.com.au/wp-content/uploads/FA-SUR5014_HC-PDS_A5_AUG-2025_DIGITAL_FA_.pdf · Confirmed on the insurer's page on 13 November 2026.
Flood
“Flood (including water runoff) Up to your sum insured. For more details see page 37.”
Source: sure-insurance.com.au/wp-content/uploads/FA-SUR5014_HC-PDS_A5_AUG-2025_DIGITAL_FA_.pdf · Confirmed on the insurer's page on 13 November 2026.
Accidental damage
“OPTIONAL EXTRAS Accidental damage to the home Up to your sum insured.”
Source: sure-insurance.com.au/wp-content/uploads/FA-SUR5014_HC-PDS_A5_AUG-2025_DIGITAL_FA_.pdf · Confirmed on the insurer's page on 13 November 2026.
Left empty
“Any loss, damage or legal liability if your home has been unoccupied for 90 or more consecutive days and you did not tell us beforehand as shown on your Certificate of Insurance that it would be unoccupied for 90 days or longer.”
Source: sure-insurance.com.au/wp-content/uploads/FA-SUR5014_HC-PDS_A5_AUG-2025_DIGITAL_FA_.pdf · Confirmed on the insurer's page on 13 November 2026.
Who it is for
“Homes which are situated inside of regional Queensland, excluding Greater Brisbane, Greater Gold Coast and Greater Sunshine Coast regions.”
Source: sure-insurance.com.au/wp-content/uploads/Sure-HC-TMD-PDS-062025.pdf · Confirmed on the insurer's page on 13 November 2026.
Sure Residential Strata Insurance
- Type
- Residential strata · Residential
- Sold
- Through a broker
- Underwriter
- XL Insurance Company SE, Australia Branch
- Flood
- Included
- Accidental damage
- Not stated
- Left empty
- Not accepted if empty over 60 days.
- Who it is for
- Residential community title (strata) properties in Queensland, plus single-owner non-community-titled properties of 5 to 20 units.
- Sold in
- QLD
- Documents
- Residential Strata PDS RST04/2026 link (the file is the Target Market Determination, effective 1 August 2026) (1 August 2026) · Key Facts Sheet - Residential Strata (KFSR 2024-04-01) (1 April 2024) · Residential Strata Target Market Determination TMDRST (2024-04-01) (1 April 2024) · Important documents index
- The strata PDS RST04/2026 link on Sure's documents page returns only the Target Market Determination; the flood row comes from the 2024 Key Facts Sheet. Before 1 August 2026 the issuer was Liberty Mutual Insurance Company, Australia Branch.
The policy
“The product provides Building and/or Common Contents cover for residential community title properties (commonly referred to as strata title properties).”
Source: sure-insurance.com.au/wp-content/uploads/RST042026.pdf · Confirmed on the insurer's page on 13 November 2026.
Underwriter
“For Residential Strata policies with an effective date from 1/08/2026 Financial services in connection with your insurance are provided by us on behalf of the following product issuer XL Insurance Company SE, Australia Branch (ABN 36 083 570 441)”
Source: sure-insurance.com.au/wp-content/uploads/RST042026.pdf · Confirmed on the insurer's page on 13 November 2026.
How it is sold
“The product is designed to only be purchased from a Sure Authorised Insurance Broker and their Authorised Representatives. This product is not designed to be sold directly from Sure Insurance.”
Source: sure-insurance.com.au/wp-content/uploads/RST042026.pdf · Confirmed on the insurer's page on 13 November 2026.
Flood
“Flood and water runoff Yes You are not covered for any loss or damage caused by underground (hydrostatic) water or pressure.”
Source: sure-insurance.com.au/wp-content/uploads/KFS-Strata-2024-04-01.pdf · Confirmed on the insurer's page on 13 November 2026.
Left empty
“Unoccupied lots for more than 60 days”
Source: sure-insurance.com.au/wp-content/uploads/RST042026.pdf · Confirmed on the insurer's page on 13 November 2026.
Who it is for
“Common Contents located in a residential Community title property situated in Queensland.”
Source: sure-insurance.com.au/wp-content/uploads/RST042026.pdf · Confirmed on the insurer's page on 13 November 2026.
Who underwrites and sells it
Underwriter
“This policy is underwritten by Pacific International Insurance Pty Limited (ABN 83 169 311 193, AFSL 523921), trading as Pacific International (Pacific); The New India Assurance Co. Ltd. (ABN 93 000 151 593) (New India Assurance), Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) (Chubb) and QBE Insurance (Australia) Limited (ABN 78 003 191 035 AFSL 239545).”
Source: sure-insurance.com.au/wp-content/uploads/FA-SUR5014_HC-PDS_A5_AUG-2025_DIGITAL_FA_.pdf · Confirmed on the insurer's page on 13 November 2026.
Who sells it
“Sure Insurance Pty Ltd (ABN 72 624 109 128, AFSL 506378) (‘Sure Insurance’) acts under a binding authority as an agent for the insurers of the products:”
Source: sure-insurance.com.au/wp-content/uploads/Sure-HC-TMD-PDS-062025.pdf · Confirmed on the insurer's page on 13 November 2026.
Pacific International Insurance Pty Limited: licence
- AFS licence
- 523921 · PACIFIC INTERNATIONAL INSURANCE PTY LIMITED
- ABN
- 83169311193
- Licensed since
- 8 December 2020
- Principal business
- Newcastle NSW 2300
- General insurance
- Licensed to deal in general insurance products
From ASIC's AFS Licensee dataset, release of 11 November 2026, Creative Commons Attribution 3.0 Australia.
The New India Assurance Co. Ltd.: licence
The underwriter's licence number is not given in the documents read for this page.
Chubb Insurance Australia Limited: licence
- AFS licence
- 239687 · CHUBB INSURANCE AUSTRALIA LTD
- ABN
- 23001642020
- Licensed since
- 19 January 2004
- Principal business
- Sydney NSW 2000
- General insurance
- Licensed to deal in general insurance products
From ASIC's AFS Licensee dataset, release of 11 November 2026, Creative Commons Attribution 3.0 Australia.
QBE Insurance (Australia) Limited: licence
- AFS licence
- 239545 · QBE INSURANCE (AUSTRALIA) LIMITED
- ABN
- 78003191035
- Licensed since
- 10 March 2004
- Principal business
- Sydney NSW 2000
- General insurance
- Licensed to deal in general insurance products
From ASIC's AFS Licensee dataset, release of 11 November 2026, Creative Commons Attribution 3.0 Australia.
Distributor's licence
- AFS licence
- 506378 · SURE INSURANCE PTY LTD
- ABN
- 72624109128
- Licensed since
- 20 August 2018
- Principal business
- Albion QLD 4010
From ASIC's AFS Licensee dataset, release of 11 November 2026, Creative Commons Attribution 3.0 Australia.
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