Landlord
As any Landlord knows, your property is a source of income and an investment that needs to be protected. That’s why you need a comprehensive Landlord Insurance policy which covers a range of circumstances; one that is specifically designed to protect you and your property.
Landlord Insurance provides insurance protection for your liability as a Landlord as well as cover for Landlord’s contents, loss of rent by an insured peril, rent default among other benefits.
Whitbread, in partnership with our specialist provider Landlords Insurance, offer two levels of Contents cover:
- $20,000
- $70,000
This Accidental Damage Cover provides the broadest option of cover for accidental loss or damage caused by your tenant.
We work closely with you to formulate an insurance and risk solution that protects your investment, creating a future where you can plan with greater certainty.
Landlords Insurance products issued by Whitbread Associates Pty Ltd trading as Whitbread Insurance Brokers | ABN 69 005 490 228 | AFSL 229 092 on behalf of the insurer Guild Insurance Limited trading as Acerta, ABN 55 004 538 863. Landlords Insurance acts on behalf of the insurer under an agreement with Whitbread Insurance Brokers and the insurer Guild Insurance Limited trading as Acerta. Any advice provided is general only and does not take into account your personal circumstances. Consider the Product Disclosure Statement, Policy Wording and Target Market Determination, where applicable, available from our office to determine if this product is right for you.
Covered Features
Accidental Damage
Covers accidental loss or damage to contents caused by a tenant. Subject to policy limits and conditions.
Loss of Rent
Provides cover should the premises become uninhabitable due to insured physical loss or damage to the building including prevention of access due to damage to a nearby property, whilst a lease is in place. Subject to policy limits and conditions.
Larceny, Theft, Malicious Damage & Vandalism
Covers loss or damage to property arising from a deliberate or intentional act caused by tenants. Subject to policy limits and conditions.
Rent Default
Provides cover should the tenant vacate the premises without notice, defaults in paying rent owed under the terms of the lease or as a result of a tenant being legally evicted, whilst a lease is in place. Subject to policy limits and conditions.
Legal Liability
Protection as a Landlord for legal liability resulting in death or bodily injury and/or property damage. Subject to policy limits and conditions.
Building Insurance (Optional)
Building Insurance is available as an extension to a Landlord Insurance policy.
This is an optional cover and an additional premium applies.
FAQ's:
Landlord Insurance provides insurance protection for your liability as a Landlord as well as cover for Landlord’s contents, loss of rent by an insured peril and other benefits.
Yes, we offer two levels of contents cover; either $20,000 or $70,000.
Yes, building insurance cover is available as long as the property does not form part of a Strata Title.
The Strata Insurance policy does not include insurance for your liability as a Landlord.
Yes. If the property is unoccupied for 90 days or more you must notify Whitbread. Section 3: Damage Caused by Tenants Cover and Section 4: Tenants Rent Default cover will not apply when a tenant ceases to occupy the property. If you fail to notify us within the 90 day period that your property is unoccupied, your cover may be restricted.
Yes, one advantage of having an investment property is that the insurance is tax deductible. You should speak to your accountant who can advise you about tax matters.
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