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The force in Landlords insurance

How do you best protect a property you own, but don’t live in? Choosing the occupants carefully helps, but even with model tenants, there’s no guarantee they’ll take care of things to the standard you’d like.

As a landlord, you need to reduce your vulnerability to vandalism, malicious damage, and theft. Not to mention lost rental income, should your property become unliveable because of major damage.

You also need protection from those unlikely, but still possible, risks like fire, lightning and storm damage, falling trees and unforeseen catastrophes. 

With Police Credit Union's Landlord Cover, you have peace of mind that you’ll be covered if your property is damaged or destroyed by specific events as set out in the policy wording.

Core Cover

Landlords insurance core defined events:

• Fire
• Explosion
• Lightning or thunderbolt
• Earthquake or Tsunami
• Theft (not by tenant)
• Vandalism
• Water or other liquid
• Collision
• Falling tree, branch or aerial
• Damage by animals
• Riot
• Storm, Rain or Flash Flood
• Accidental Glass Breakage

You’ll also be covered for a number of benefits and any optional extras that you select.

Benefits

• Legal Liability
• Burning out of electrical motors (fusion cover)
• Cover for loss of rent should your tenants be unable to live in the home as a result of damage caused by a defined event
• Essential temporary repairs

Optional Benefits

• Cover for rent default (optional extra)
• Cover for theft and/or vandalism by tenants (optional extra)

A range of ways to save

With Police Credit Union there are various ways to enjoy discounts on your premium.

Security discounts

The more secure your property is – through deadlocks, window locks, and either local or monitored alarms – the less you may have to pay. 

Household no claim bonus

Continue to earn No Claim Bonus discount the more years you go without making a claim.

A choice of Excess

Your excess is the initial amount you have to pay yourself if you make a claim, and we offer options of $100, $250, $500 and $1,000. The higher the excess you choose, the lower the premium you’ll pay.

Looking for a quick quote?

Click here, visit your local branch or call 1300 131 844

Need to make a claim?

Call 1300 361 516 or visit www.qbe.com.au for more information

Terms, conditions and acceptance criteria apply. Cover limits apply as set out in the policy wording. This material does not take into account your personal needs, objectives and financial circumstances and you should consider whether it is appropriate for you. Please read the Product Disclosure Statement to decide if a product is right for you. Insurance issued by QBE Insurance (Australia) Limited ABN 78 003 191 035 AFS Licence 239545.