Landlords & Contents insurance

Ensure your valuable investment is protected for items that aren’t covered by your strata insurance.

Landlords insurance covers your rental property and contents against risks like storms, floods and fire, as well as damage caused to your contents by tenants and even loss of rental income.

The following incidents are all included in a landlord insurance policy for residential units.

Malicious damage by tenants
Accidental damage
Landlord liability ($30,000,000 limit)

Theft by tenants
Rent default
Loss of rent

Basic contents not covered under the building insurance (such as carpet, curtains, light fittings, air conditioners).
Contents owned by the landlord for the exclusive use by the tenant

There are two options to choose from

Option A - long term rental

New for old replacement.

Accidental loss or damage.

Malicious damage.

Building damage

Walls, windows, floors, ceilings and fixtures are covered for accidental damage (including malicious damage) if it’s not covered by the strata insurance policy or the home insurance policy.

Loss of rent

Building unfit to be occupied - up to 52 weeks.

Departure by tenant - up to 6 weeks.

Default by tenant - up to 15 weeks.

Legal expenses

Legal expenses in connection with a claim.

Cost of property managers time $500.

Cost of defending a breach of the tenancy agreement $500.

Liability to others

$30,000,000 - If you become legally responsible to pay compensation for personal injury or property damage.

Government Audit Costs

$5,000 - professional costs incurred in connection with an ATO investigation.

The $500 excess is waived if your building is damaged and insured with CHU

Option B - short term/holiday rental

New for old replacement.

Accidental loss or damage.

Malicious damage.

Building damage

Walls, windows, floors, ceilings and fixtures are covered for accidental damage (including malicious damage) if it’s not covered by the strata insurance policy or the home insurance policy.

Loss of rent

Building unfit to be occupied - up to 52 weeks

Liability to others

$30,000,000 - if you become legally responsible to pay compensation for personal injury or property damage

Government audit costs

$5,000 - professional costs incurred in connection with an ATO investigation

The $500 excess is waived if your building is damaged and insured with CHU

Before obtaining a quote, we suggest you read the following

Your Duty of Disclosure

Before you enter into a Contract of general insurance with an Insurer, you have a duty under the Insurance Contracts Act 1984 to disclose to the Insurer every matter that you know, or could reasonably expect to know, is relevant to the Insurer’s decision whether to accept the risk of Insurance and if so, on what terms. You have the same duty to disclose those matters to the Insurer before you renew, extend, vary or reinstate a Contract of general insurance. Your duty however does not require disclosure of matter.

that diminishes the risk to be undertaken by the Insurer- that is common knowledge
that your Insurer knows or, in the ordinary course of business, ought to know
as to which the compliance with your duty is waived by the Insurer

Non-Disclosure

Brochures and fact sheets

Landlords policy document and PDS

Landlords insurance strata flyer

Contents quotation form

Contents policy document and PDS

Contents information guide

Contents key facts

Request a landlords insurance quote

Let our team of experienced brokers find the right insurance policy for you.

Get a quote

Why Choose BCB?

BCB is Australia’s largest specialist strata insurance broker and one of the 475 strong Steadfast Group member network.

With over 25 years’ experience partnering with strata managers, BCB offers scale, market leading technology and technical expertise for strata and community living property and related insurances.

Working in the interests of the owners, BCB provides dedicated broking resources and a full market solution, complimented in-house claims expertise, including for large and catastrophic events.

Landlords & Contents insurance

There are two options to choose from

Option A - long term rental

Contents

Building damage

Loss of rent

Legal expenses

Liability to others

Government Audit Costs

The $500 excess is waived if your building is damaged and insured with CHU

Option B - short term/holiday rental

Contents

Building damage

Loss of rent

Liability to others

Government audit costs

The $500 excess is waived if your building is damaged and insured with CHU

Before obtaining a quote, we suggest you read the following

Your Duty of Disclosure

Non-Disclosure

Brochures and fact sheets

Request a landlords insurance quote

Why Choose BCB?

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