Building and Contents
Covering your building and your fixtures and fittings
Excess Options from $600 to $10,000
Defense Costs
Tax Audit
Malicious Damage and Vandalism Protection
Rent Default Protection (Optional)
Loss of Rent Cover (Optional)
Key and Locks Cover
Legal Liability Limit of $20M
Motor Burnout Protection
And Much More (Refer table below)
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.
Insurers | ||
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 | QBE - Automatically covered |
|
Legal Costs | ![]() | ![]() |
Loss of Rent | 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 | ||
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 | ![]() | ![]() |