Insure your investment property and landlord’s contents for insured events such as theft, fire7, storm7 and malicious damage.
- Cover for your investment property from insured events
- Save up to 10% on your first year’s premium when you quote and buy a new landlord insurance policy online1,4
- Pay by the month at no extra cost6
A residential investment property needs to be appropriately insured
Landlord Insurance can give you the confidence that your property will be covered should something go wrong. Police Credit Union Landlord Insurance covers the property and/or the contents you provide for your tenant’s use from loss or damage by insured events.
To help you decide the cover you need, here’s a brief outline of the difference between Buildings and Contents Cover.
- Designed to cover the physical structures that make up your property, like the house itself, garage, sheds, permanently installed swimming pools and decks.
- Designed to cover items at your property – from furniture, white goods and removable domestic appliances which belong to you as the landlord and that you have provided for the use of your tenant. It also covers your carpets and window furnishings.
Choose your cover
The better you understand your policy, the easier it will be if you ever have to claim. Here is a limited summary of the benefits of a Landlord Insurance policy. For full details of the standard terms, conditions, limits and exclusions that apply please read the Product Disclosure Statement (PDS) and any applicable supplementary PDS before making a decision to purchase the insurance. The Landlord Buildings and Landlord Contents Key Fact Sheets (KFS) also sets out some information about the cover.
Landlord Insurance Calculators
It’s up to you to decide the sums insured, and the type and level of cover that you want to take out. People generally want enough insurance to cover the property’s estimated replacement value. If you don’t have enough cover, you could end up having to cover some of the costs yourself. Remember, Allianz will only pay up to the amount of your loss or the sum insured, whichever is the lesser (subject to the policy terms and conditions) – so you should also be careful not to over insure. That’s why we’ve provided these calculators. They work as guides to help you estimate the replacement value of your landlord building and contents.
Building Replacement Calculator
Contents Replacement Calculator
Make a claim
What do I do if I need to make a Landlord Insurance claim?
It’s important to…
Do what you reasonably can to prevent any further loss, damage or liability. Tell the police as soon as reasonably possible about any malicious damage, theft, attempted theft, burglary or loss of insured property.
Over the phone
Contact the Claims Call Centre on 1300 555 030 and advise the Claims Consultant of what has happened. The Claims Consultant will help you through the Landlord Insurance claims process.
In order to be sure that you are covered under this policy you should always contact Allianz for approval before you incur expenses you wish to claim. If you do not, Allianz will pay for expenses incurred to the amount Allianz would have authorised had you asked Allianz first.
Policy Documents and Key Fact Sheets
We do not provide advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision please refer to the Landlord Product Disclosure Statement (PDS) any applicable supplementary PDS and Landlord Buildings or Landlord Contents Key Fact Sheets also available for reference.