The Scheer Short Stay Policy is specifically designed for landlords of holiday homes and provides comprehensive cover for your property.  The cover includes:

Loss of rent

The policy will pay for loss of rent caused by:

• Premises left untenantable due to malicious damage, murder or suicide. Up to $50,000.
• Prevention of access. Up to $25,000.
• Failure to give up vacant possession. Up to $25,000.
• Death of a guest. Up to $25,000.

Each loss of rent claim will be calculated using tariffs at the time.

Legal costs

• Legal expenses up to $5,000
• Legal costs up to $500

Loss or damage - Contents*

The policy covers general household contents including curtains, carpets, blinds, light fittings and furniture.

These items are covered against loss by all persons including guests, their family and/or visitors resulting from:

• Accidental loss or damage
• Malicious Damage
• Theft, Riot and civil commotion
• Fire, explosions, lightening and earthquakes
• Breakage of fixed glass in freestanding furniture
• Water damage (excluding flood)
• Impact damage, leakage of oil
• Fusion up to $2,000

Loss or damage - Building (limited cover)*

The policy covers your property against loss or damage resulting from:

• Accidental loss or damage by guest (see policy wording for full details)
• Malicious damage to the structure of the building by guests, their family and/or visitors
• Theft, or damage due to theft, to the structure of the building by guests, their family and/or visitors

*The policy will replace or repair your damaged items under the Building or Contents section of the Policy to a maximum combined amount of $50,000 unless otherwise agreed

Tax Audit

The policy pays professional fees incurred by an investigation or audit of your financial or taxation affairs initiated by an authorised government authority in relation to, and following the lodgment of a return. Up to $1,000 per audit.

Legal Liability

This policy covers your legal liability as a landlord for an occurrence which causes damage to other people's property or death or bodily injury to other people. Limit of indemnity $20,000,000.

Policy Premiums*

State	Premium
South Australia	$280
Western Australia	$280
Victoria	$300
Queensland	$300
New South Wales	$390
ACT	$340
Tasmania	$250
Northern Territory	$310

*Prices subject to change

Excess Chart

Type of Claim	SA/TAS/VIC/WA/NSW/ACT	NT	QLD
Loss of rent	No Excess	No Excess	No Excess
Malicious Damage	$350 per claim	$600 per claim	$250 per claim
Accidental loss or damage	$350 per event	$600 per event	$250 per event
Earthquake	$200	$200	$200
Other claims	$100	$100	$100

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