Landlord insurance

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Cover for Residential Landlords

Getting landlord insurance can help cover your investment property for unexpected events such as fire or malicious damage to your building or contents.

Emergency repairs - at your request, CGU can arrange assistance for emergency repairs through their preferred repairer and supplier network.
Accidental breakage cover - If a tenant or their guest damages items like basins, baths or fixed glass.
Water or liquid damage cover - if the loss or damage is caused as a result of a listed event (exclusions apply)
Vandalism cover - If your tenants or their guests cause deliberate damage (exclusions apply)
Cover for a tenant pet damage - Up to $2,500 cover for accidental damage or loss caused by your tenant’s pet.
Loss of rent cover (optional extra) - Up to 12 months' rent if a rental property is uninhabitable after a listed incident (up to the sum insured chosen)
Optional cover for rental default and theft by a tenant - Up to $5,000 (less any applicable excess or bond) and cover if your tenants or their guests steal part of your building or any insured contents (exclusions and conditions apply)
Liability cover (optional extra)

Summary of cover types

There are three different cover types with optional extra's cover.

Landlord Building and Contents

Landlord Building and Contents

✔ Residential buildings
✔ Protection for domestic outbuildings such as garages and sheds
✔ Infrastructure for services
✔ Swimming pools and spas
✔ Carpets
✔ Curtains and internal blinds
✔ Furniture and white goods

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Landlord Contents

Landlord Contents

✔ Non built-in swimming pools and spas
✔ Carpets
✔ Curtains and internal blinds
✔ Furniture and white goods
✘ Residential buildings
✘ Domestic outbuildings such as garages and sheds
✘ Infrastructure for services

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Landlord Buildings

Landlord Buildings

✔ Residential buildings
✔ Domestic outbuildings such as garages and sheds
✔ Infrastructure for services
✔ Built-in swimming pools and spas
✘ Carpets
✘ Curtains and internal blinds
✘ Furniture and white goods

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Conditions, limitations and exclusions apply. Please refer to the Product Disclosure Statement (PDS) for full terms and conditions.

Flood cover

Flood Cover

All levels of landlord insurance feature flood cover. 

Flood Cover additional information

Important documents

Read the Product Disclosure Statement (PDS) and Target Market Determinations to find out more about what’s covered and what’s not.

Landlord PDS

Target Market Determination

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Unfortunate events are often also unexpected. That’s why you can call 13 24 80 at any time to make a claim.

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Terms and conditions: Teachers Federation Health Limited ABN 86 097 030 414 (TFHL) acts as a referrer under an agreement with the insurer, Insurance Australia Limited trading as CGU Insurance ABN 11 000 016 722, AFSL 227681 (CGU Insurance). If you take out an insurance product with CGU Insurance, it will pay TFHL a commission of up to 15% of the premium (exclusive of government charges). The commission will also be paid on any variations to your policy and on renewal. The commissions paid to TFHL are included as part of your premium. When making decisions about insurance, consider the Product Disclosure Statement and Target Market Determinations.