Insurance

Essentials

• Protect your investment property against damage or theft by tenants

Landlord Building, Contents and Landlord Extras 

• Save 10% by combining building and contents on the same policy
• Flexibility to reduce your premium by increasing your excess
• Pay by the month at no extra cost

There are two levels of cover that landlords can choose from for building and/or contents:

• Essential Care - a basic level of cover that protects your investment property against loss or damage 
• Quality Care - protects your property from a wider range of events, with additional benefits

Landlord Extras - to give your property added protection, you can also choose Landlord Extras in addition to your Essential Care or Quality Care cover. It offers added protection against unruly tenants, covering theft and malicious damage by tenants to your building and/or contents, loss of rent and legal expenses due to tenant default.

Landlord Protection Insurance

If you don’t need standard building or contents cover or if you are a strata, group or community title investment property owner, Landlord Protection is available as stand-alone insurance.  This separate cover protects your landlord building against malicious acts and theft by your tenants as well as loss of rent under a written agreement.

Features

 

Landlord Building, Contents and Landlord Extras.

Key benefits	Essential Care	Quality Care	Optional Landlord Extras  (taken in addition to Quality or Essential Care)
Fire, storm, flood, burglary and malicious acts			NA
Electrical motor burnout		Motors up to 15 years	NA
Accidental breakage of glass			NA
Legal liability cover	$20 million	$20 million	NA
Landlord fittings (light fittings, carpets and window coverings) under building insurance		Up to $20,000	NA
Loss of rent if the home is unliveable following loss or damage up to 12 months		Up to 10% of the sum insured	NA
Malicious acts by your tenant			Up to the building and/or contents sum insured
Theft by your tenant			Up to the building and/or contents sum insured
Loss of rent due to tenant default			Up to $1000 per week for up to 10 weeks

Landlord Protection

Feature	Limits
Malicious acts by your tenant	For building $60,000. For Landlord light fittings, fixed carpets and window coverings $20,000
Theft by your tenant	For building $60,000. For Landlord light fittings, fixed carpets and window coverings $20,000
Loss of rent due to tenant default	Up to $1000 per week for up to 10 weeks

Additional benefits for Strata, Group or Community Title properties

Feature	Limits
Legal liability cover	$20 million
Loss of rent if the home is unliveable following loss or damage up to 12 months	Up to $1,000 per week to a maximum of 52 weeks
Landlord fittings (light fittings, carpets and window coverings)	Up to $20,000

 

How to claim

• Call us immediately on 1300 369 989 - this is the fastest way to claim
• If you prefer to lodge a written application yourself, you can download the Landlord Insurance claim form (PDF 138kb) and send it to us, with supporting documentation
• Advise the police immediately if the damage is malicious
• Do not allow anyone to repair the property until we have had a chance to inspect it.

Provide us with the following information

We may need copies of the following so we can assess your claim promptly:

• Current tenancy agreement
• A copy of the tenancy agreement for the new tenants (if applicable)
• Rental payment receipts
• Confirmation of your entitlement under the Rental Bond Board
• Receipts for any expenses you have paid, such as cleaning.

It may not be necessary to complete a claim form yourself when you claim. However, if required you can download the Landlord Insurance claim form and send it to:

          Westpac General Insurance Limited
          Home and Contents Claims
          GPO Box 4451
          Sydney NSW 2001

Making a claim over the phone

Stage	Description
1	Call us on 1300 369 989 Select option 1 for home and contents, then option 1 for new and existing claims
2	If you are eligible to claim, we will complete and lodge your claim over the phone
3	We will send you a letter confirming what we require from you, your case number and if required a claim form
4	Send us your supporting documents and if you were sent a claim form, the completed claim form

How long does it take to settle a claim?

We will settle your claim within 10 business days after we have received your documentation, providing no further information is required.

Insurance claim help

If you need assistance, or want to track your claim, call us on 1300 369 989 and quote your case number.