Building Only
Covering your building Only
Automatic Flood Cover
Sum Insured Safety Net (up to 15%)
Malicious Damage and Vandalism Protection
Key and Locks Cover
Rent Default Protection (Optional)
Loss of Rent Cover (Optional)
Defense Costs
Tax Audit
Malicious Damage and Vandalism Protection
Legal Liability Limit of $20M
Your Landlord Insurance Product Comparison at a Glance (Building Only)
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 |
| 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 | ||
| 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 |
| 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 | | |
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