Landlord Insurance Features & Benefits

As a landlord, you have a lot at stake. Your investment property is at the mercy of your tenants for most of the time, and you can’t help worrying about that. Don’t - our Landlord Insurance takes care of your investment as well as you do.

Rent default by your tenant
If your tenant stops paying rent to you during the term of your rental agreement, we pay you up to $5,000 (including GST).
What’s in it for you? You are covered even if the tenant leaves without notice. We also pay towards the legal costs of action you take to recover the rent owed to you if we have agreed to pay your claim.

Vandalism or malicious damage by your tenant
If your Landlord buildings or contents suffer loss or damage caused by your tenant we will pay you up to $10,000 (inclusive of GST) to repair or replace your property.
What’s in it for you? We help you get your property back to normal as soon as we can.

Theft or attempted theft by your tenant
If your Landlord buildings or contents suffer loss or damage caused by your tenant we will pay you up to $10,000 (inclusive of GST) to repair or replace your property.
What’s in it for you? You won’t have to face unexpected repair costs due to thieving tenants.

Landlord Insurance buildings cover
We insure residential buildings that you own or have an insurable interest in, for replacement or repairs up to the sum insured.
What’s in it for you? You are covered for damage to the walls, the roof and the floor plus any structural improvements.

Landlord Insurance contents cover
We insure all the things tenants use at the rental property, that you as the landlord own. In a strata title development, this includes fixtures and fittings not owned or insured by the owners corporation or body corporate.
What’s in it for you? You are covered for furniture and furnishings that you own and domestic appliances that are not built in.

Loss of rent
If you are a landlord and your tenants cannot live in your rental property because it is being repaired as a result of an insured incident, we pay you the rent you lose.
What’s in it for you? You don’t have to worry about losing income you rely on, due to events that are not your fault.

Liability cover
If an incident occurs on the site which causes death or bodily injury to other people, or loss or damage to other people’s property and you are legally liable, we will pay up to $20 million (inclusive of GST).
What’s in it for you? You can relax, knowing that you are protected against having to pay a claimant huge sums of your own money. We are there to help you.

Flexible payment and policy excess options
You can choose to pay annually, with cash, cheque, BPAY, credit card or monthly by direct debit. You also have a choice of basic excesses. You can reduce your premium by choosing a higher basic excess.
What’s in it for you? You choose the payment and excess options that suit you.

Paperless 24/7 claims
If you need to make a home insurance claim, we’re available 24 hours a day, seven days a week, over the phone. No paperwork needed to lodge a claim.
What’s in it for you? When things go wrong, wherever you are, whatever the time, we’re just one phone call away.

24/7 Helpline
You have access to our Helpline assistance service, 24 hours a day, seven days a week, at no extra cost.
What’s in it for you? When things go wrong, we’re just a phone call away.

Our Landlord Insurance policy also covers you for:

Storm

Flood (Find out more)

Leaking or escaping water

Lightning

Fire

Fusion of electric motors

Unintentional breakages of glass, windows, ceramic and sanitary fixtures

Impact damage.

There is also additional cover provided when we pay a claim:

Building materials damage

Demolishing and removing debris

Reconnection of electrical components

Keys, locks and barrel replacement

Legal fees after rent default

Locating the cause of damage

Loss of rent after an incident

Mortgagee discharge costs

Fees arising from rebuilding

Renovating or altering your property.