For your rental property
Loss of rent during repairs
If your building or contents are covered and your rental property is unliveable after a covered event, we pay up to 12 months of lost rent1.
Fire
We cover loss and damage caused by fire (including bushfire).
Furniture & furnishings
We cover loss or damage to furniture, furnishings and carpet in your property4.
Theft & vandalism
We cover stolen items and damage from theft and vandalism, including stolen keys2
Flood, storm & storm surge
We cover loss or damage caused by flood, rainwater run-off, storm, storm surge and tsunami3.
Damage from leaks
We cover loss or damage to your property caused by liquid leaks5, like from a burst pipe or broken heater.
Broken glass
We cover accidentally broken glass and ceramic in some furniture or fixtures.
Lightning
We cover damage and power surges caused by lightning.
Motor burnout
We cover electric motor burnout in fixtures like air conditioners and pool pumps, including parts and labour8.
Liability for injury or damage
We cover your legal liability in some situations if someone’s injured or their property’s damaged9 (up to $20m).
Impact damage
We pay for damage caused by impact from things like vehicles and trees6.
Demolishing & removing debris
If your rental property is damaged by a covered event, we pay to demolish and remove debris, including damaged contents7.
Renovation building materials
If your building’s covered, we pay up to $1,000 for damage from covered events to renovation materials at your rental property.
There are some things we don’t cover
Short-term rentals
We don’t cover your property if the rental period is less than 90 days.
Damage caused by vermin
We don’t cover damage caused by things like rats, termites and possums.
They’ll give you full details on limits, conditions, exclusions and more
Important note for customers in NSW, QLD, TAS & ACT. If you purchased your policy before 21 April 2024 and you either haven't renewed it yet or you last renewed it before 1 July 2024, your cover will be different to the cover described above. Read the Product Disclosure Statement (PDS) relevant to your policy on our policy booklets page, or call us on 132 132 for more information.
A rental property is any enclosed building at your premises that has walls, a roof and can be locked up.
Your rental property also includes home improvements such as garages, carports, in ground pools, or fixtures that are permanently attached to your home. For example, light fixtures, built in wardrobes and kitchen cupboards.
If your rental property is a flat or unit, it also includes lockable storage that's reserved for you inside the complex.
Yes, you’re covered if your tenant or their guest vandalises your property or intentionally causes loss or damage.
You and your tenant must have a valid rental agreement. Your policy doesn't cover damage resulting from wear and tear. For more information, please refer to the Product Disclosure Statement.
Yes, you can choose who repairs your home.
If you decide to use one of our Partner Repairers, and we authorise the work, we give a lifetime guarantee on the workmanship of the repairs. We can also assist in managing the repairer throughout the repair on timeframes and quality.
We'll only pay you the fair and reasonable amount that the repairs should cost.
We’ll cover either the weekly rent listed on your Certificate of Insurance, or the weekly rent in your rental agreement, whichever is less. A valid rental agreement is required.
If theft or vandalism by tenant, we will deduct from your claim four times the weekly rent amount shown on your rental agreement, in addition to the standard excess. A valid rental agreement is required. No excess is payable for a claim made only under the ‘Replacement of keys and locks’ additional benefit.
We don’t cover actions of the sea, such as tides and waves. Check the PDS for a full list of exclusions. For insured properties in NSW, ACT or Tasmania, if we give you the option to remove cover from your Building Insurance or Contents Insurance for flood, rainwater run-off and storm surge and you choose to do so, you won’t be covered for loss or damage to your rental property (under Building insurance) or contents (under Contents insurance) caused by flood, rainwater run-off or storm surge..
Under a Landlord ‘Contents’ policy, your furniture and furnishings are covered up to the contents insured amount. Under ‘Buildings’ policy, if your property isn’t under a strata or similar scheme your furniture and furnishings are covered to up to 10% of the buildings insured amount.
We don’t cover damage caused by water leaking or escaping from a shower recess or shower base. We don’t cover loss from erosion or other earth movements. We don’t cover the costs to repair or replace the item that the liquid leaked or escaped from.
We don’t cover loss or damage caused by tree cutting, lopping or felling.
We pay up to 10% of the Building sum insured (if you have Building Insurance), and up to 10% of the General Contents sum insured (if you have Contents Insurance) for this additional benefit.
We cover motors for up to 15 years after they were made.
We cover your legal liability for death or bodily injury to someone else or loss or damage to someone else’s property.
See the full details of the online discount. Any applicable discounts may be subject to minimum premiums. Discounts only apply until a minimum premium is reached. When we determine your premium on renewal, we may also limit any increases or decreases in your premium by considering factors such as your previous year's premium amount.
