We've been protecting Australians in their moments of need for almost 100 years
That's why our Landlord Insurance covers you for loss or damage to your investment property, with automatic inclusions for flood*, storms#, fires and theft as well as specific cover for incidents such as loss of rent due to tenant default.
What am I covered for?
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Suncorp Insurance covers loss or damage to your home and/or contents caused by storms, which includes cyclones. The cover also extends to cover loss or damage caused by storm surge if it occurs at the same time as other insured damage at your insured address to your home and/or contents caused by storms, which includes cyclones. However there are also a number of exclusions and other conditions that attach to this cover. Please read the Product Disclosure Statement (PDS) for full details.
Your Suncorp policy provides you with up to $20 million legal liability cover.
Legal liability covers your liability to pay compensation for death or bodily injury to other people or loss or damage to their property resulting from an incident, which happens in connection with you owning or living in the home at the insured address. For instance, if a person was to come onto your property and injure themselves by tripping whilst climbing the stairs, the Home legal liability component of your policy would respond if you were found legally liable for the injury sustained and damages were sought from you.*
Legal liability on contents also covers your liability to pay compensation for an incident, which causes death or bodily injury to other people anywhere in Australia or New Zealand. So if you were playing golf at your local golf club and your ball was to strike another player causing injury, the contents legal liability component of your policy would respond if you were found legally liable for the injury sustained and damages were sought from you*.
* This example assumes your claim was not otherwise excluded by your policy.
If you’re a current Suncorp Landlord Insurance customer you may be covered for loss of rent if the tenant defaults. You must have taken all reasonable steps legally available to you to remedy non-payment and/or evict the tenant (if possible).
Limits and exclusions apply, so please refer to the Product Disclosure Statement.
All applicable excesses will still apply to any claim for loss of rent.
*Actions or movements of the sea and storm surge are not covered (unless the storm surge damage occurs at the same time as damage caused by storm). We don't cover retaining walls or flood damage to wharves, jetties, pontoons, other exclusions apply.
#We do not insure you for bushfire, storm, flood or tsunami in the first 72 hours of your policy. Very limited exceptions apply.
Free Safety Net Protection
Quote and purchase online from 16 Oct 2020 - 28 Feb 2021. Not available with any other offers. Free for first period of insurance. T&C's apply
We do not cover loss of rent if:
- You do not have a rental agreement in place
- The rent was in arrears when you took out this policy
Please note, we do not pay the first 4 weeks of any unpaid rent. The most we will pay under this cover is 14 weeks lost rent if you have a written rental agreement, to a maximum of $5,000. For full details of this cover please refer to the PDS.