Products

RentCover landlord insurance is a range of specialised insurance products for investment property owners, real estate agents and property managers, with all the features and inclusions you need to comprehensively protect your investment.

Whether it be loss of rent, damage by tenants or defined risks such as fire, storm and flood, RentCover has what you need for a good night’s sleep.

RentCoverUltra

Landlords insurance for rent loss and property damage as well as liability risks. Includes cover for almost every tenant-related risk as well as fire, storm, flood and other defined.

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RentCoverUltra

Even the best tenants can have difficulties or accidents that can result in property damage and lost rent.  RentCoverUltra covers you against theft and damage (accidental or malicious) by your tenants or their guests up to $65,000.  It also covers rental income loss due to unpaid rent (depending on the circumstances) or vacancy while insured damage is repaired.

Ideal for permanently let units or townhouses, RentCoverUltra includes cover against ‘defined events’ such as fire, storm, flood and water damage as well as liability up to $30,000,000, so you won’t need a separate contents policy.

If you are insuring a house, you may like to consider RentCoverPlatinum which includes a comprehensive building policy as well as the tenant-related risks of RentCoverUltra.

What is covered by RentCoverUltra

Loss of Rent due to:Cover
Denial of Access52 weeks
Prevention of Access52 weeks
Default of Rent6 weeks
Departure without notice6 weeks
Breaking of lease6 weeks
Malicious Damage¹52 weeks
Accidental Damage to Contents¹52 weeks
Accidental Damage to Building52 weeks
Theft by Tenant¹52 weeks
Hardship6 weeks
Death of a Tenant52 weeks
Defined Risks to contents (Fire, storm and flood etc.)²52 weeks
Damage & Theft (building)
Malicious Damage$65,000
Accidental Damage$65,000
Theft by the Tenant$65,000
Damage & Theft (contents)
Malicious Damage¹$65,000
Damage caused by Tenant's pets$65,000
Accidental Damage¹$65,000
Theft by the Tenant¹$65,000
Defined Risks (Fire, storm and flood etc.)²$65,000
Legal Costs$5,000
Legal Liability$30,000,000
Professional fees due to Tax Audit$1,000
Workers' Compensation (WA)Included

Excess

Loss of RentNil
Malicious Damage$400 Per Claim
Accidental Damage$400 Per Event Max. 2
Theft by the Tenant¹$400 Per Claim
Legal ExpensesNil
Owners LiabilityNil
Contents fire and perils$200 per claim (except earthquake $250 and cyclone $500)

¹ Contents for Malicious Damage, Accidental Damage and Theft by the Tenant refers to those items specified in the policy. Malicious Damage for contents items supplied by the landlord for the tenants' use can be insured for a small additional premium.

² Defined risks (fire, storm, flood and water damage etc.) applies to contents items supplied by the landlord for the tenants' use.

Please refer to the Product Disclosure Statement for full details.

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RentCoverPlatinum

Comprehensive landlords’ building and contents insurance combined with the tenant-related features of RentCoverUltra, all built into one cost-effective package.

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RentCoverPlatinum

When insuring a house let permanently to tenants you need to insure the building and contents (carpets, curtains, blinds etc.) as well as the tenant-related risks.  RentCoverPlatinum makes it simple, fast and inexpensive to combine comprehensive cover for the building and contents with the protection of landlords' insurance in one policy.

So whether your tenant breaks their lease, damages your property, or whether there is a fire that causes a total loss, you will know that you are protected by RentCoverPlatinum.

With RentCoverPlatinum, you're covered for damage to the building and/or contents through fire, earthquake, explosion, storm or rainwater (including flood) glass breakage, impact, theft, fusion, malicious acts by intruders or water damage from burst pipes or overflowing sinks.

You are also covered for almost every risk where a tenant does something wrong including malicious or accidental damage by the tenant, loss of rent due to broken leases, absconding tenants, denial of access and more.  You’re even covered for up to $30,000,000 legal liability.

What is covered by RentCoverPlatinum?

Loss of Rent due to:Cover
Denial of Access52 weeks
Prevention of Access52 weeks
Default of Rent6 weeks
Departure without notice6 weeks
Breaking of lease6 weeks
Malicious Damage¹52 weeks
Accidental Damage to Contents¹52 weeks
Accidental Damage to Building52 weeks
Theft by Tenant¹52 weeks
Hardship6 weeks
Death of a Tenant52 weeks
Defined Risks to contents (Fire, storm and flood etc.)²52 weeks
Defined Risks to building (Fire, storm and flood etc.)52 weeks
Damage & Theft (building)
Malicious Damage$65,000
Accidental Damage$65,000
Theft by the Tenant$65,000
Defined Risks (Fire, storm and flood etc.)²Up to sum insured
Damage & Theft (contents)
Malicious Damage¹$65,000
Damage caused by Tenant’s pets$65,000
Accidental Damage¹$65,000
Theft by the Tenant¹$65,000
Defined Risks (Fire, storm and flood etc.)²$65,000
Legal Costs$5,000
Legal Liability$30,000,000
Professional fees due to Tax Audit$1,000
Workers’ Compensation (WA)Included

Excess

Loss of RentNil
Malicious Damage$400 Per Claim
Accidental Damage$400 Per Event Max.2
Theft by the Tenant¹$400 Per Claim
Legal ExpenseNil
Owners LiabilityNil
Contents fire and perils$200 per claim
(except earthquake $250 and cyclone $500)
Building fire and perils$200 per claim
(except earthquake $250 and cyclone $500)

¹ Contents for Malicious Damage, Accidental Damage and Theft by the Tenant refers to those items specified in the policy. Malicious Damage for contents items supplied by the landlord for the tenants' use can be insured for a small additional premium.

² Defined risks (Fire, storm, flood and water damage etc.) applies to contents items supplied by the landlord for the tenants' use.

Please refer to the Product Disclosure Statement for full details.

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RentCoverShortTerm

Insurance for short term rental properties such as holiday letting and corporate leasing. Cover includes features often not included in standard household policies.

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RentCoverShortTerm | Holiday Home and Airbnb Insurance

Short term accommodation leased for business or vacations needs specialised insurance to protect you against a range of risks not usually covered by residential or landlords insurance. RentCoverShortTerm is the perfect holiday home insurance and perfectly suited as an Airbnb insurance.

RentCoverShortTerm gives you comprehensive cover for contents (including game consoles, linen and crockery) of your short term rental property up to $65,000, for damage caused by your tenants or their guests, whether that damage is accidental or malicious. In addition it covers you for legal expenses incurred in minimising a loss, legal liability up to $20,000,000 and even professional fees incurred due to a tax audit up to $1,000.

RentCoverShortTerm also covers your property against a range of defined events such as fire, storm damage, water damage (including flood), glass breakage and a range of other insurable occurrences.

If you own a property let for short periods, such as Holiday Letting or Corporate Leasing, you can relax with RentCoverShortTerm.

Consider the features of RentCoverShortTerm, which may not be available on other short term accommodation insurance policies:

  • Your contents are automatically covered for up to $65,000.
  • Your insured contents include game consoles and crockery.
  • You are covered for lost rent up to $50,000 if your property can't be let due to an insured event.
  • Your legal liability is covered up to $20 million.
  • You are covered against both accidental damage and malicious damage by your tenants or their guests.
  • As long as reasonable security measures are in place, like working locks, it covers your property.
  • If buildings are insured, your building is covered for 'new for old' replacement regardless of age.
  • Your legal expenses are covered up to $5,000 when incurred by you in minimising a loss.
  • Your costs in regard to professional fees of up to $1,000 are covered if incurred due to a tax audit in respect of income from your property.

Excess

Loss of RentNil
Malicious/Deliberate Damage and Theft$350 Per Claim
Accidental Damage$350 Per Event
Legal ExpensesNil
Owners LiabilityNil
Contents fire and perils$200 per claim
(except earthquake $250 and cyclone $1,000)
Building fire and perils$200 per claim
(except earthquake $250 and cyclone $1,000)

Please refer to the Product Disclosure Statement for full details.

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TenantCover

If you’re renting a property, it’s easy to protect all your precious possessions and cover yourself against legal liability with TenantCover. Inexpensive and simple, TenantCover makes sense for all rental property tenants..

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TenantCover

Tenants need insurance too – TenantCover

If you’re renting a property, it’s easy to protect all your precious possessions and cover yourself against legal liability with TenantCover. Inexpensive and simple, TenantCover makes sense for all rental property tenants.

As long as there are reasonable security measures in place, such as working locks, TenantCover provides protection for your contents against theft, or damage by fire, explosion, storm and flood to a total of $25,000. In addition, your legal liability for incidents in which someone injures themselves on the property or suffers another loss (where you are found liable) is covered up to $10,000,000.

All this for as little as $160 per annum for $25,000 cover – although premiums will vary so please ask us for a quote.

Call 1800 661 662 for more information or a quote, ask your Real Estate agent or Property Manager to apply on your behalf, or APPLY NOW.

If you require cover for contents greater than $25,000 please CLICK HERE for more information.

Please refer to the PRODUCT DISCLOSURE STATEMENT for full details.


Downloads


- Product Disclosure Statement (Standard TenantCover policy for sum insured up to $25,000.)

- TenantCover Key Fact Sheet

- Financial Services Guide

- Privacy Policy


Application Forms


- TenantCover (sum insured up to $25,000).

- Quote for Contents over $25,000
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