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UNDERWRITTEN BY BLUE ZEBRA

Landlord Essentials: what the policy covers

Landlord contents and liability cover for Australian residential rental properties, including long-term and short-term tenancies that meet the eligibility criteria. Here is a summary of the main benefits. Limits, conditions and exclusions are in the PDS.

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COVER & LIMITS

Cover summary

The insured events and benefits included in Landlord Essentials. Limits apply to each, so read the PDS before you decide. Want an overview first? See Landlords Insurance or get a quote online.

Cover

Limit

Legal & Personal Liability

Cover for your legal liability if someone is injured, or their property is damaged, at your rental property. Terms, limits and exclusions apply.

See PDS

Landlord Contents

The items you own and leave for tenants to use, such as carpets, blinds, whitegoods and light fittings. Terms, limits and exclusions apply.

See PDS

Malicious Damage by Tenants or Invited Guests

Damage caused on purpose by your tenants or people they invite into the property, as defined in the PDS. Terms, limits and exclusions apply.

See PDS

Loss of Rent & Tenant Default (Optional)

Optional cover for rent you lose in the situations set out in the PDS, such as a tenant defaulting on rent. Terms, limits and exclusions apply.

See PDS

Fire, Explosion & Lightning Strike

Damage to your landlord contents caused by fire, explosion or a lightning strike. Terms, limits and exclusions apply.

See PDS

Storm & Rainwater Runoff

Damage to your landlord contents caused by a storm or rainwater runoff. Terms, limits and exclusions apply.

Flood (Where Eligible)

Whether flood cover applies depends on your property and its location. Your policy schedule will show it. Terms, limits and exclusions apply.

See PDS

Theft & Burglary

Theft of your landlord contents, including theft involving forced entry. Terms, limits and exclusions apply.

See PDS

Replacement of Locks & Key Cylinders

The cost of replacing locks and key cylinders in the situations set out in the PDS. Terms, limits and exclusions apply.

See PDS

Tax Audit Representation

Help with professional fees if your rental property income is part of a tax audit, up to the PDS limit. Terms, limits and exclusions apply.

See PDS

How making a claim works

1

Check your policy

Read your PDS and policy schedule to see what is covered and which excess applies.

2

Tell us what happened

Call 1300 368 112 or email hello@needcover.com.au as soon as you can, and we'll explain the next steps.

3

Submit your claim

Provide the details and supporting documents requested. The full claims process is set out in the PDS.

FAQS

Questions? We’re here to help.

Answers to common questions about our insurance, quotes and how to get in touch.

What insurance does NeedCover Direct offer?

Landlords Insurance is available to quote online now. Home & Contents, Car and Pet Insurance are coming soon.

Click Get a Quote and complete our online Landlords Insurance form. You'll answer some questions about you and the property. If you'd rather talk it through, call 1300 368 112.

Insurance for people who rent out a residential property. What our policy covers, its limits and its exclusions are set out in the Product Disclosure Statement (PDS). Learn more about Landlords Insurance.

NeedCover Direct Pty Ltd is an Authorised Representative of NeedCover Group Pty Ltd (AFSL 239911).

Not yet. Pet Insurance is coming soon, along with Home & Contents and Car Insurance. In the meantime, you can get a quote online for Landlords Insurance, or call 1300 368 112.

Call 1300 368 112 or email hello@needcover.com.au.

Ready to apply for Landlords Insurance?

Check you're eligible and start your application online. Questions? Call 1300 368 112.

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