What's included in the cover


  • Fire

  • Flood

  • Storm

  • Theft

  • Vandalism

  • Water damage

  • Glass breakage

  • Loss of rent

  • Legal liability

Not Included

  • Theft/vandalism by tenants (optional benefit)

  • Rent default (optional benefit)

Optional Benefits

Tenant theft or vandalism

Extra cover for theft or damage caused by your tenants. For the home, contents or both.

Rent default

Covers lost rental income if your tenants fail to pay their rent or leave unexpectedly.

Fixtures and fittings

Additional cover for fixtures and fittings, such as carpets and blinds, if your rental property is unfurnished.

Home insurance

Revealed: most common and costly landlord insurance claims 

Severe weather and leaky pipes are the biggest headaches for Australian landlords and are the cause of far more insurance claims than tenants failing to pay the rent.

Liability cover: the little-known benefit included in your home insurance

Liability cover: the little-known benefit included in your home insurance

Landlords are entirely responsible for the property they lease to tenants, which means you may be legally liable if a tenant is injured inside.

Insurance calculators

Home and contents insurance calculators

It's easy to underestimate the cost of rebuilding your home or replacing its contents. Our insurance calculators will help you figure out how much cover you need (your 'sum insured').

Frequently Asked Questions

 You’re covered for loss or damage caused by ‘defined events’. You can find these in your Product Disclosure Statement and Policy Schedule. 
Yes. You can choose to cover up to $10,000 of damage caused by your tenants, after we’ve deducted the excess.   

You’re covered for loss of rent if your property isn’t fit to live in (after a claim) while it’s being repaired or rebuilt.

Legal liability protects you if you become liable as an owner for bodily injury or death to another person, or for loss or damage to another person’s property. 

Claim online or call us 24 hours a day on 133 723.

Use our home and contents insurance calculators to assess the value of your home and its contents.

Yes. You’re covered for unoccupied/unfurnished periods between tenants for up to 30 days. For longer periods, please call us.
Yes. You’re covered for fusion of household electric motors up to $2,000, after we’ve deducted any applicable excess or depreciation.
As part of your sum insured, you’re covered for building costs following damage to your property including temporary protection to your site, debris removal, architect or surveyor fees, demolition costs, and compliance with statutory notices. 
The Building Sum Insured Safeguard is all about peace of mind. If your home is a total loss and you’ve used our home insurance calculator correctly to set your sum insured – but our estimate has fallen short – we’ll cover you for up to 30% more than your sum insured. You’ll need to provide a copy of your Building Replacement Estimate in the event of a claim so please download and save a copy of the full report and keep a printed copy in an offsite location.

The Safeguard benefit also protects your sum insured if the increased cost of repair over and above your sum insured was directly caused by a catastrophic event. More information regarding this benefit can be found in your Product Disclosure Statement and Policy Schedule.

The advice on this website has been prepared without taking into account your objectives, financial situation or needs. You must decide whether or not it is appropriate, in light of your own circumstances, to act on this advice. You should ensure you obtain and consider the Product Disclosure Statement for the policy before you make any decision to acquire it.

Need more help?

Call us at 133 723

Mon-Fri 8am-8pm, Sat 8am-1:30pm (AEST)