Building and Contents

Covering your building and your fixtures and fittings

Your Landlord Insurance Product Comparison at a Glance (Building and Contents)

This product comparison table is intended to provide a snap shot of the policy coverage available through Insurance4Earth. It provides a description of risks that are covered, those that are not covered, including additional benefits and optional covers. It does not provide a complete statement of the cover offered, any exclusions under the policy, or conditions and/or all limits that may apply under each type of Cover. You should carefully read the Product Disclosure Statement (PDS) and all policy documentation for full details.

Policy Coverage
Listed Events
Accidental Damage
Insurers
Blue Zebra, Hollard
Blue Zebra, Hollard, QBE
Accidental Destruction, Loss or
Damage

Accidental Damage covers any loss or damage that is not specifically excluded under the policy along with any Additional Benefits noted below
Listed Events

A Listed Events policy covers those events listed in the policy along with any Additional Benefits noted below
Listed Events
Accidental Loss or Damage by your Tenant
Deliberate / Intentional Damage
Malicious Damage / Vandalism
Fire / Explosion
Flood
Smoke
Lightning / Thunderbolt
Earthquake / Tsunami
Burglary or Housebreaking
Theft
Escape of liquid
Electric Motor Burnout
Broken Glass & Similar
Riots or Civil Commotion
Industrial or Political Disturbances
Impact by Aircraft / Spacecraft
Impact by Falling Tree
Impact by Falling TV / Antenna / Power Pole
Impact by Animal / Bird
Impact by Vehicles / Watercraft
Storm / Rainwater / Hail / Wind
Storm Surge

QBE

Blue Zebra, Hollard
Landslide or Subsidence
Power Surge
Animal Damage – Not Normally Kept at Situation
Additional benefits
Mortgage Discharge Costs following Total Loss
Demolition & Removal of Building Debris
Architect / Surveyor / Engineer - Rebuilding Fees
Catastrophe or Emergency Declared
Gates / Fences / Walls – Flood / Storm / Rainwater / Hail / Wind
$10,000 Automatic Contents Cover – In Addition to Contents SI

QBE

Blue Zebra, Hollard
Professional Fees – Preparation of Claim

QBE

Blue Zebra, Hollard
Removal of Contents Debris
Damage to Body Corporate Building –
Malicious Damage / Vandalism

QBE

Blue Zebra, Hollard
Automatic Reinstatement of SI following a Partial Loss
Removal of Trees - Following Storm Damage
Pet Damage
Tax Audit

Hollard, QBE

Blue Zebra
Loss or Damage Caused by Defects or Faulty
Design/Workmanship – Storm / Storm Surge / Flood / Rainwater / Hail / Wind
Keys and Lock Replacement
Meeting Government & Local Authority Bylaws
Locating the Source of Escaped Liquid
Buildings Undergoing Renovations, Construction or Alteration
90 Day Un-occupancy Period (Excluding Holiday Lettings)
Building Sum Insured Safeguard/Safety Net

Hollard

Blue Zebra - Limit 10% of buildings SI

Hollard

Blue Zebra - Limit 15% of buildings SI


QBE - Limit 30% of buildings SI
(refer to your PDS for full details)
Limits of Cover – Content & Building
Unspecified Contents

Limit $20,000 per item

Limit $20,000 per item
Fixed Floor / Wall / Ceiling Coverings

No sublimit

No sublimit
Domestic Jetties / Wharves / Pontoons

No sublimit

No sublimit
Fixed Exterior Blinds and Awnings

No sublimit

No sublimit
Building materials

Hollard - Limit $5,000

Blue Zebra - Limit $2,000

Hollard, QBE - Limit $5,000

Blue Zebra - Limit $2,000
Carpets / Drapes / Curtains

No sublimit

No sublimit
Strata Title Unit - Landlord’s Fixtures and Fittings

Limit $20,000 per item

Limit $20,000 per item
Clothing / Pedal Cycles / Surfboards / Sailboards / Surf Skis

Blue Zebra, Hollard - Limit $2,000

QBE

Blue Zebra, Hollard - Limit $2,000

Contents in the Open Air

Hollard - Limit $2,500

Blue Zebra - Limit $5,000

QBE - No sublimit

Hollard - Limit $5,000

Blue Zebra - Limit $10,000
Optional Covers
Theft by Tenant
Optional
Blue Zebra, Hollard - Optional
QBE - Automatically covered
Legal Costs
Loss of Rent
Optional
Blue Zebra, Hollard - Optional
QBE - Automatically covered
(refer to your PDS for full details)
Property Unliveable or Untenantable
Prevention of Access
Cover Extension After Repair/Replacement – Long Term Rental
Rent Default
Optional
Optional
Vacating without Notice
Stops Paying Rent
Legal Eviction of Tenant
Notice to Leave
Death of Tenant
Hardship - RTT
Legal Costs
Re Letting Expenses – in excess of Bond Money
Legal Liability
Legal Liability Cover
Continued Liability Cover after Total Loss
Buildings Undergoing Renovations, Construction or Alteration
Expenses Incurred in Attending Court

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Just a friendly reminder before you start….

DUTY OF DISCLOSURE/ DUTY NOT TO MAKE A MISREPRESENTATION

Before you enter into an insurance contract, you have a duty to tell the insurer anything that you know, or could reasonably be expected to know, that may affect the insurer's decision to insure you and on what terms. You have this duty until the insurer agrees to insure you. You have the same duty before you renew, extend, vary, or reinstate an insurance contract.

For Personal, Domestic and Household insurance contracts, you have an additional duty to take reasonable care not to make a misrepresentation to the insurer. To ensure you meet your duty, your responses to the insurer's questions must be truthful, accurate and complete.

IF YOU DO NOT TELL THE INSURER SOMETHING

If you do not tell the insurer anything you are required to, they may cancel your contract, or reduce the amount they will pay you if you make a claim, or both. If your failure to tell the insurer is fraudulent, they may refuse to pay a claim and treat the contract as if it never existed.

By clicking on the "I Agree" button below, you agree that you've read and understood the Duty of Disclosure and website Terms of Use.

Please read our Financial Services Guide to help you make an informed decision about whether to use the financial services we offer.

Please read the relevant Product Disclosure Statement for full details before deciding about the right cover for you.

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