Protecting your investment property and income
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| 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. Not to mention lost rental income, should your property become unlivable because of major damage.
You also need protection from those unlikely, but still possible, risks like fire, lightning and storm damage, falling trees and other unforeseen catastrophes.
With Landlord’s Insurance, 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.
Landlord's insurance core defined events:
| • Fire |
• Collision |
| • Explosion |
• Falling tree, branch or aerial |
| • Lightening or thunderbolt |
• Damage by animals |
| • Earthquake & tsunami |
• Riot |
| • Theft |
• Storm, rain or flash flood |
| • Vandalism |
• Accidental glass breakage |
| • Water or other liquid |
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What comprehensive landlord's policy benefits are you entitled too?
| Burning out of electrical motors (fusion cover) |
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 |
| Legal Liability ($30 Million) |
Essential temporary repairs |
| Optional Cover for items such as carpets, curtains, fixtures and fittings |
Accidental Damage Option |
| Optional cover for theft and/or vandalism by tenants |
Optional cover for Rent Default |
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Click here to download the product disclosure statement
Terms, conditions and acceptance criteria apply. Cover limits apply as set out in the policy wording.
IMPORTANT DISCLAIMER
Please note this guide is a summary only and policy conditions, limits & exclusions apply. Agent for Insurer Homeloans Ltd ABN 55 095 034 003. Insurance is issued by QBE Insurance (Australia) Ltd, 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.