Straightforward protection for rental properties

Covers damage to contents (and optional building) by fire or explosion, including arson by the tenant.

Fire damage is an important feature in most landlord insurance policies and can protect an investment if: an electrical appliance fails, a candle ignites the room, a bushfire consumes a neighborhood or a tenant sets fire to the property (arson).

If you need cover for building, you determine and tell us the sum insured at the time of application. It is the full cost to rebuild your home in the event of a total loss. 

Protection when you are found legally liable for an incident, including tenant injury.

If a landlord fails to provide a safe environment for tenants, they can be sued for compensation by the person who is injured. And those costs and compensation payouts can stretch from tens of thousands to hundreds of thousands or even millions of dollars once medical costs, loss of income and pain and suffering are factored in.

That is why EBM RentCover landlord insurance offers protection when you are found legally liable for an incident, including tenant injury.

DID YOU KNOW??... To date, the highest personal injury claim in Australia for one person was an eye-watering $19 million – and half of that was legal costs! That’s why the legal liability limits set out in landlord insurance policies are in the millions.

Read this for more information.

Protection when Mother Nature causes damage to contents (and optional building).  

The right insurance policy means owners can protect their investment, at least financially, against a range of extreme weather events. Householders Rental offers cover for damage to contents caused by Mother Nature, including: bushfire, storm, flood, earthquake, tsunami and cyclone.

When planning insurance, check if your policy includes the events that are most likely to happen at your property.

NOTE: Some environmental conditions are uninsurable, for example when the damage or loss does not result from a single ‘insured event’, such as in cases of coastal erosion where the problem develops over time.

If you need cover for building, you determine and tell us the sum insured at the time of application. It is the full cost to rebuild your home in the event of a total loss. 

Excesses: Storm - $200 | Flood - $200 | Fire - $200 | Earthquake or tsunami - $250 | Cyclone - $500 | All other insured events not mentioned incur a $200 excess.

Protection during repairs when a property is unable to be lived in following damage by an insured event (such as fire, storm and flood).

Please note, general loss of rent is not included in this policy. So, if a tenant defaults or faces hardship, it is not covered. However, you are protected for loss of rent when it is associated with insured events and when a property is uninhabitable.

Need cover for rent default? Check out EBM RentCover's other products here. 

Protection for lost rent when a property is unable to be accessed.

This includes when it is unable to be accessed due to damage of a neighboring property. Or, when a government official has restricted access to the property (such as when a road is officially blocked off due to danger, and the property is out of reach).

Covers damage to contents (and optional building) by water, including from overflowing basins and bursting pipes.

Sometimes water damage occurs out of nowhere and can cause significant damage and even more frustration. If you have the right insurance in place, you don’t need to drown your sorrows when a property is inundated with water. 

EBM RentCover can cover damage to contents by water including from bursting pipes, overflowing basins or baths (must be fixed in place), roofs leaking, sewerage discharging, and water suddenly escaping from a waterbed or aquarium.

NOTE: Most insurers do not cover water damage which has occurred gradually over time (e.g. mould, or corrosion). This is because it is something that could have been prevented and most landlord insurance policies state that all must be done to prevent future damage and loss.

If you need cover for building, you determine and tell us the sum insured at the time of application. It is the full cost to rebuild your home in the event of a total loss. 

Optional cover against malicious and accidental damage and theft by the tenant for non-fixed contents (such as furnishings like couches or desks) is available at an additional cost. Chat to our team about premiums and cover limits.