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Compare our cover options

See our cover options side by side for a comparison of what’s covered in detail.

Please note that this table is a guide only, and lists the highlights of what we cover. For full details of what is covered under each policy, please refer to the relevant Product Disclosure Statement.

Loss of Rent

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Landlord Preferred Policy or Scheer Short Stay Policy
Residential Building Insurance Policy
Landlord Insurance AND Building Insurance
Insured Events
Insured Events
Landlord Insurance Landlord Preferred Policy or Scheer Short Stay Policy
Building Insurance Residential Building Insurance Policy
Combined Coverage
Absconding tenant
Up to 20 weeks loss of rent
Up to 20 weeks loss of rent
Defaulting tenant (by court order)
Up to 20 weeks loss of rent
Up to 20 weeks loss of rent
Defaulting tenant (by termination notice)
Up to 20 weeks loss of rent
Up to 20 weeks loss of rent
Failure to give vacant possession
Up to 28 weeks loss of rent
Up to 28 weeks loss of rent
Death of tenant
Up to 15 weeks loss of rent for permanent tenancies; Up to 12 weeks loss of rent (but no more than $12,000 per year) for holiday let properties
Up to 15 weeks loss of rent for permanent tenancies; Up to 12 weeks loss of rent (but no more than $12,000 per year) for holiday let properties
Hardship
Up to 4 weeks loss of rent
Up to 4 weeks loss of rent
Untenantable property (due to tenant damage to building)
Up to 52 weeks loss of rent (but no more than $50,000 per year for holiday let properties)
Up to 52 weeks loss of rent (but no more than $50,000 per year for holiday let properties)
Untenantable property (due to non-tenant related damage to building)
Up to 52 weeks loss of rent (and no more than $50,000 per year for holiday let properties)
Up to 52 weeks loss of rent (and no more than $50,000 per year for holiday let properties)
Untenantable property (due to contents damage)
Up to 6 weeks loss of rent (but no more than $6,000 per year for holiday let properties)
Up to 6 weeks loss of rent (but no more than $6,000 per year for holiday let properties)
Prevention of access
Up to 52 weeks loss of rent for permanent tenancies; Up to 26 weeks loss of rent (but no more than $25,000 per year) for holiday let properties
Up to 52 weeks loss of rent for permanent tenancies; Up to 26 weeks loss of rent (but no more than $25,000 per year) for holiday let properties
Failure to vacate a holiday let property
Up to 26 weeks loss of rent (but no more than $25,000 per year)
Up to 26 weeks loss of rent (but no more than $25,000 per year)
Rent reduction
Up to 6 weeks reduction of rent
Up to 6 weeks reduction of rent
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Contents

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Up to $60,000 cover included per year, combined with Building Cover. You can increase your cover up to $100,000.

Landlord Preferred Policy or Scheer Short Stay Policy
Residential Building Insurance Policy
Landlord Insurance AND Building Insurance
Insured Events
Insured Events
Landlord Insurance Landlord Preferred Policy or Scheer Short Stay Policy
Building Insurance Residential Building Insurance Policy
Combined Coverage
Tenant Damage
Flood
Storm or rainwater
Escape of Liquid
Fire or explosion
Break-in vandalism or theft
Pet damage
Up to $2,500 per period of insurance (Combined with Building damage)
Up to $2,500 per period of insurance (Combined with Building damage)
Scorching
Up to $1,000 per year (combined with Building damage)
Up to $1,000 per year (combined with Building damage)
Impact
Earthquake
Glass breakage
Lightning
Oil leakage from any heater
Electric motor burnout
Up to $2,000 per claim
Up to $2,000 per claim
Riot or civil commotion
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Get a Quote

Building

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Landlord Preferred Policy or Scheer Short Stay Policy
Residential Building Insurance Policy
Landlord Insurance AND Building Insurance
Insured Events
Insured Events
Landlord Insurance Landlord Preferred Policy or Scheer Short Stay Policy
Building Insurance Residential Building Insurance Policy
Combined Coverage
Fire or explosion
Storm or rainwater
Flood
Escape of Liquid
Lightning
Earthquake
Impact
Accidental glass breakage
Riot or civil commotion
Oil leakage from any heater
Electric motor burnout
Up to $2,000 per claim
Up to $2,000 per claim
Tenant Damage
Break-in vandalism or theft
Pet damage
Up to $2,500 per period of insurance (Combined with Building damage)
Up to $2,500 per period of insurance (Combined with Building damage)
Scorching
Up to $1,000 per year (Combined with Contents damage)
Up to $1,000 per claim (Combined with Contents damage)
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Get a Quote
Get a Quote

Other

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Landlord Preferred Policy or Scheer Short Stay Policy
Residential Building Insurance Policy
Landlord Insurance AND Building Insurance
Insured Events
Insured Events
Landlord Insurance Landlord Preferred Policy or Scheer Short Stay Policy
Building Insurance Residential Building Insurance Policy
Combined Coverage
Legal expenses
Up to $5,000 per claim
Up to $5,000 per claim
Representation costs
Up to $500 per year (with a sub-limit of $300 per claim for engaging a bailiff/sheriff)
Up to $500 per year (with a sub-limit of $300 per claim for engaging a bailiff/sheriff)
Replacement of locks
Up to $250 per claim
Up to $250 per claim
Re-letting expenses that exceed the tenant's bond
Up to $500 per period of insurance
Up to $500 per period of insurance
Removal of goods
Up to $500 per tenancy
Up to $500 per tenancy
Tax audit costs
Up to $1,000 per claim
Up to $1,000 per claim
Legal Liability
Up to $20million in legal liability
Up to $20million in legal liability
Up to $20million in legal liability
Emergency Service damage
Up to $1,000 per claim
Up to $1,000 per claim
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Get a Quote
Get a Quote

Loss of Rent

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Landlord Preferred Self Managed Policy
Residential Building Insurance Policy
Landlord Insurance AND Building Insurance
Insured Events
Insured Events
Landlord Insurance Landlord Preferred Self Managed Policy
Building Insurance Residential Building Insurance Policy
Combined Coverage
Absconding tenant
Up to 20 weeks loss of rent
Up to 20 weeks loss of rent
Defaulting tenant (by court order)
Up to 20 weeks loss of rent
Up to 20 weeks loss of rent
Defaulting tenant (by termination notice)
Up to 20 weeks loss of rent
Up to 20 weeks loss of rent
Failure to give vacant possession
Up to 15 weeks loss of rent
Up to 15 weeks loss of rent
Death of tenant
Up to 15 weeks loss of rent for permanent tenancies; Up to 12 weeks loss of rent (but no more than $12,000 per year) for holiday let properties
Up to 15 weeks loss of rent for permanent tenancies; Up to 12 weeks loss of rent (but no more than $12,000 per year) for holiday let properties
Hardship
Up to 4 weeks loss of rent
Up to 4 weeks loss of rent
Untenantable property (due to tenant damage to building)
Up to 52 weeks loss of rent (but no more than $50,000 per year for holiday let properties)
Up to 52 weeks loss of rent (but no more than $50,000 per year for holiday let properties)
Untenantable property (due to non-tenant related damage to building)
Up to 52 weeks loss of rent (and no more than $50,000 per year for holiday let properties)
Up to 52 weeks loss of rent (and no more than $50,000 per year for holiday let properties)
Untenantable property (due to contents damage)
Up to 6 weeks loss of rent (but no more than $6,000 per year for holiday let properties)
Up to 6 weeks loss of rent (but no more than $6,000 per year for holiday let properties)
Prevention of access
Up to 52 weeks loss of rent for permanent tenancies; Up to 26 weeks loss of rent (but no more than $25,000 per year) for holiday let properties
Up to 52 weeks loss of rent for permanent tenancies; Up to 26 weeks loss of rent (but no more than $25,000 per year) for holiday let properties
Failure to vacate a holiday let property
Up to 26 weeks loss of rent (but no more than $25,000 per year)
Up to 26 weeks loss of rent (but no more than $25,000 per year)
Rent reduction
Up to 6 weeks reduction of rent
Up to 6 weeks reduction of rent
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Get a Quote
Get a Quote

Contents

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Cover anywhere between $30,000 and $100,000.

Landlord Preferred Self Managed Policy
Residential Building Insurance Policy
Landlord Insurance AND Building Insurance
Insured Events
Insured Events
Landlord Insurance Landlord Preferred Self Managed Policy
Building Insurance Residential Building Insurance Policy
Combined Coverage
Tenant Damage
Flood
Storm or rainwater
Escape of Liquid
Fire or explosion
Break-in vandalism or theft
Pet damage
Up to $2,500 per period of insurance (Combined with Building damage)
Up to $2,500 per period of insurance (Combined with Building damage)
Scorching
Up to $1,000 per year (combined with Building damage)
Up to $1,000 per year (combined with Building damage)
Impact
Earthquake
Glass breakage
Lightning
Oil leakage from any heater
Electric motor burnout
Up to $2,000 per claim
Up to $2,000 per claim
Riot or civil commotion
Get a Quote
Get a Quote
Get a Quote

Building

Show Detail
Landlord Preferred Self Managed Policy
Residential Building Insurance Policy
Landlord Insurance AND Building Insurance
Insured Events
Insured Events
Landlord Insurance Landlord Preferred Self Managed Policy
Building Insurance Residential Building Insurance Policy
Combined Coverage
Fire or explosion
Storm or rainwater
Flood
Escape of Liquid
Lightning
Earthquake
Impact
Accidental glass breakage
Riot or civil commotion
Oil leakage from any heater
Electric motor burnout
Up to $2,000 per claim
Up to $2,000 per claim
Tenant Damage
Break-in vandalism or theft
Pet damage
Up to $2,500 per period of insurance (Combined with Building damage)
Up to $2,500 per period of insurance (Combined with Building damage)
Scorching
Up to $1,000 per year (Combined with Contents damage)
Up to $1,000 per claim (Combined with Contents damage)
Get a Quote
Get a Quote
Get a Quote

Other

Show Detail
Landlord Preferred Self Managed Policy
Residential Building Insurance Policy
Landlord Insurance AND Building Insurance
Insured Events
Insured Events
Landlord Insurance Landlord Preferred Self Managed Policy
Building Insurance Residential Building Insurance Policy
Combined Coverage
Bailiff/Sheriff fees
Up to $300 per claim
Up to $300 per claim
Replacement of locks
Up to $250 per claim
Up to $250 per claim
Re-letting expenses that exceed the tenant's bond
Up to $500 per period of insurance
Up to $500 per period of insurance
Removal of goods
Up to $500 per tenancy
Up to $500 per tenancy
Tax audit costs
Up to $1,000 per claim
Up to $1,000 per claim
Legal Liability
Up to $20million in legal liability
Up to $20million in legal liability
Up to $20million in legal liability
Emergency Service damage
Up to $1,000 per claim
Up to $1,000 per claim
Get a Quote
Get a Quote
Get a Quote

For full details of our policies we recommend you read the relevant Product Disclosure Statement.