Landlords Insurance
Protecting your investment property and income
How do you best protect a property you own, but don’t live in? Choosing the occupants carefully helps, but even with model tenants, there’s no guarantee they’ll take care of things to the standard you’d like.
As a landlord, you need to reduce your vulnerability to vandalism, malicious damage, and theft.
You also need protection from those unlikely, but still possible, risks like fire, lightning and storm damage, falling trees and unforeseen catastrophes.
With Homeloans’ Landlord Cover, you have peace of mind that you’ll be covered if your property is damaged or destroyed by specific events as set out in the policy wording. You’ll also be covered for loss of rent should your tenants be unable to live in the home as a result of damage caused by a defined event.
In addition you can select from our optional benefits like cover for theft and/or vandalism by tenants or cover for rent default.
Competitive, convenient cover backed by QBE
Landlord Cover is one of a comprehensive range of insurance solutions Homeloans offers through our association with QBE Insurance.
Founded in 1886, QBE is one of Australia’s leading insurers. It’s because of QBE’s experience, security and strength – as well as its prompt, efficient and friendly claims service that we’ve made it our general insurance provider.
This partnership enables us to deliver Homeloans members quality and value in insurance products, with the added convenience of having everything under the same roof.
| Core Cover: | |
- Fire
- Explosion
- Lightning or thunderbolt
- Earthquake or tsunami
- Theft
- Vandalism
- Water or other liquid
| - Collision
- Falling tree, branch or aerial
- Damage by animals
- Riot
- Storm, Rain or Flash Flood
- Glass Breakage
|
You’ll also be covered for a number of benefits and any optional extras that you select.
Examples of benefits and optional extras
Policy Benefits
| Cover |
Legal Liability
| $30 million
|
Standard Benefits
| Cover |
Burning out of electrical motors (fusion)
| √ |
Cover for loss of rent should your tenants be unable to live in the home as a result of damage caused by a defined event
| √ |
Essential temporary repairs
| √ |
Building safeguard benefit
| √ |
Optional Benefits
| Cover |
Cover for rent default
| Optional extra |
Cover for items such as carpets, curtains, blinds and light fittings (available only on non-furnished properties where contents insurance cannot be purchased)
| Optional extra |
Cover for theft and/or vandalism by tenants
| Optional extra
|
A range of ways to save
With Homeloans there are various ways to enjoy discounts on your premium.
Security discounts
The more secure your property is – through deadlocks, window locks, and either local or monitored alarms – the less you may have to pay.
Household no claim bonus
If you haven’t made any claims in the past 3 years, you will be rewarded with a discount of up to 30%.
A choice of Excess
Your excess is the initial amount you have to pay yourself if you make a claim, and we offer options of $250, $300 and $500. The higher the excess you choose, the lower the premium you’ll pay.
Easy to arrange, simple to claim
The convenience of having Landlords Insurance under the same roof as your financial services isn’t the only way we make life easier. From making your application to making a claim, Homeloans ensures things are as straightforward as possible.
You can apply online, by phone, or at any branch. < remove any non-applicable options> Flexible payment options include fortnightly, monthly or annual direct debit, cash, cheque or credit card payments (excluding American Express).
If you do need to make a claim, we won’t make you wade through paperwork. QBE have a 24-hour emergency claims number, and in most cases, you need just provide details over the phone.
Check out these exclusive customer-only offers available on
QBE Insurance through Homeloans’ Customer Benefits program.
- $50 Bunnings voucher for all home and contents combined
policies
- $20 Bunnings voucher for all home OR contents policies
To arrange your QBE insurance and take advantage of this great offer, call Homeloans’ insurance specialists on 1300 78 78 74, or arrange your policy online through Homeloans’ insurance system here and then call 1300 78 78 74 with your policy number to redeem your voucher. |
For a real time quote, click the button below:
Important Note: Please view our Financial Services Guide here.
Download the Landlord Cover product disclosure statement.
| IMPORTANT DISCLAIMER
Terms, conditions and acceptance criteria apply. Cover limits apply as set out in the policy wording. This material does not take into account your personal needs, objectives and financial circumstances and you should consider whether it is appropriate for you. Please read the Product Disclosure Statement to decide if a product is right for you. Insurance issued by QBE Insurance (Australia) Limited ABN 78 003 191 035 AFS Licence 239545.. To decide if a policy is right for you
please carefully read the Product Disclosure Statement which is
available at the Homeloans Ltd or by phoning 1300 78 78 74. |  |
*These offers are only valid to Homeloans customers via the Homeloans Customer Benefits program. Call 1300 78 78 74 to arrange your QBE insurance, or arrange your policy online through Homeloans’ insurance system
here and then call 1300 78 78 74 with your policy number to redeem your voucher.