Contents Only
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 (Contents 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 |
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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 | ||
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 |
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Loss or Damage Caused by Defects or Faulty Design/Workmanship – Storm / Storm Surge / Flood / Rainwater / Hail / Wind | ||
Keys and Lock Replacement | ||
90 Day Un-occupancy Period (Excluding Holiday Lettings) | ||
Limits of Cover – Content & Building | ||
Unspecified Contents | Limit $20,000 per item | Limit $20,000 per item |
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) |
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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 |