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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.

Landlord Insurance - Landlord Preferred Policy
Holiday Rental Insurance - Scheer Short Stay Policy
Building Insurance - Residential Building Insurance Policy
Landlord Insurance AND Building Insurance
Insured Events
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
Up to 15 weeks loss of rent for permanent tenancies
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
Up to 52 weeks loss of rent
Untenantable property (due to non-tenant related damage to building)
Up to 6 weeks loss of rent
Up to 52 weeks loss of rent
Up to 52 weeks loss of rent
Untenantable property (due to contents damage)
Up to 6 weeks loss of rent
Up to 6 weeks loss of rent
Prevention of access
Up to 52 weeks loss of rent
Up to 52 weeks loss of rent
Rent reduction
Up to 6 weeks reduction of rent
Up to 6 weeks reduction of rent
Landlord Insurance - Landlord Preferred Policy
Holiday Rental Insurance - Scheer Short Stay Policy
Building Insurance - Residential Building Insurance Policy
Landlord Insurance AND Building Insurance
Insured Events
Untenantable (building)
Up to 52 weeks loss of rent per incident, but no more than $50,000 in any one period of insurance
Up to 52 weeks loss of rent per incident, but no more than $50,000 in any one period of insurance
Untenantable (murder/suicide)
Up to 52 weeks loss of rent per incident, but no more than $50,000 in any one period of insurance
Up to 52 weeks loss of rent per incident, but no more than $50,000 in any one period of insurance
Untenantable (death of tenant)
Up to 26 weeks loss of rent per incident, but no more than $5,000 in any period of insurance
Up to 26 weeks loss of rent per incident, but no more than $5,000 in any period of insurance
Untenantable property (due to non-tenant related damage to building)
Up to 52 weeks loss of rent but no more than $50,000 per year
Up to 52 weeks loss of rent but no more than $50,000 per year
Untenantable (contents)
Up to 6 weeks loss of rent per claim incident, but no more than $6,000 in any period of insurance
Up to 6 weeks loss of rent per claim incident, but no more than $6,000 in any period of insurance
Prevention of access
Up to 52 weeks loss of rent per incident
Up to 52 weeks loss of rent per incident
Failure to vacate
Up to 26 weeks loss of rent per incident, but no more than $25,000 in any period of insurance
Up to 26 weeks loss of rent per incident, but no more than $25,000 in any period of insurance
Death of tenant
Up to 12 weeks loss of rent per incident, but no more than $12,000 in any period of insurance
Up to 12 weeks loss of rent per incident, but no more than $12,000 in any period of insurance

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 Insurance - Landlord Preferred Policy
Holiday Rental Insurance - Scheer Short Stay Policy
Building Insurance - Residential Building Insurance Policy
Landlord Insurance AND Building Insurance
Insured Events
Tenant Damage
Flood
Storm or rainwater
Escape of Liquid
Fire (including bushfire) 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)
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)
Up to $1,000 per year (combined with Building damage)
Impact
Earthquake or tsunami
Glass breakage
Lightning
Oil leakage from any heater
Electric motor burnout
Up to $2,000 per claim
Up to $2,000 per claim
Up to $2,000 per claim
Riot, civil commotion or public disturbance

Building

Show Detail
Landlord Insurance - Landlord Preferred Policy
Holiday Rental Insurance - Scheer Short Stay Policy
Building Insurance - Residential Building Insurance Policy
Landlord Insurance AND Building Insurance
Insured Events
Fire (including bushfire) or explosion
Storm or rainwater
Flood
Escape of Liquid
Lightning
Earthquake or tsunami
Impact
Accidental glass breakage
Riot, civil commotion or public disturbance
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)
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 year (Combined with Contents damage)
Up to $1,000 per claim (Combined with Contents damage)

Other

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Landlord Insurance - Landlord Preferred Policy
Holiday Rental Insurance - Scheer Short Stay Policy
Building Insurance - Residential Building Insurance Policy
Landlord Insurance AND Building Insurance
Insured Events
Legal expenses
Up to $5,000 per claim
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)
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
Up to $250 per claim
Re-letting expenses in excess of the bond
Up to $500 per period of insurance
Up to $500 per period of insurance
Up to $500 per period of insurance
Removal and storage of goods
Up to $500 per tenancy
Up to $500 per tenancy
Up to $500 per tenancy
Legal Liability
Up to $20million in 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
Up to $1,000 per claim
Landlord Preferred Self Managed Policy
Residential Building Insurance Policy
Landlord Insurance AND Building Insurance
Insured Events
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
Up to 15 weeks loss of rent
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
Up to 52 weeks loss of rent
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
Up to 52 weeks loss of rent and no more than $50,000 per year
Untenantable property (due to contents damage)
Up to 6 weeks loss of rent
Up to 6 weeks loss of rent
Prevention of access
Up to 52 weeks loss of rent
Up to 52 weeks loss of rent
Rent reduction
Up to 6 weeks reduction of rent
Up to 6 weeks reduction of rent
Landlord Preferred Self Managed Policy
Residential Building Insurance Policy
Landlord Insurance AND Building Insurance
Insured Events
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 12 weeks loss of rent but no more than $12,000 per year
Up to 12 weeks loss of rent but no more than $12,000 per year
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
Up to 52 weeks loss of rent but no more than $50,000 per year
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
Up to 52 weeks loss of rent and no more than $50,000 per year
Untenantable property (due to contents damage)
Up to 6 weeks loss of rent but no more than $6,000 per year
Up to 6 weeks loss of rent but no more than $6,000 per year
Prevention of access
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
Failure to vacate
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

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
Tenant Damage
Flood
Storm or rainwater
Escape of Liquid
Fire (including bushfire) 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 or tsunami
Glass breakage
Lightning
Oil leakage from any heater
Electric motor burnout
Up to $2,000 per claim
Up to $2,000 per claim
Riot, civil commotion or public disturbance

Building

Show Detail
Landlord Preferred Self Managed Policy
Residential Building Insurance Policy
Landlord Insurance AND Building Insurance
Insured Events
Fire (including bushfire) or explosion
Storm or rainwater
Flood
Escape of Liquid
Lightning
Earthquake or tsunami
Impact
Accidental glass breakage
Riot, civil commotion or public disturbance
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)

Other

Show Detail
Landlord Preferred Self Managed Policy
Residential Building Insurance Policy
Landlord Insurance AND Building Insurance
Insured Events
Bailiff/Sheriff fees
Up to $300 per claim for residential tenancies
Up to $300 per claim for residential tenancies
Replacement of locks
Up to $250 per claim for residential tenancies
Up to $250 per claim for residential tenancies
Re-letting expenses in excess of the bond
Up to $500 per period of insurance for residential tenancies
Up to $500 per period of insurance for residential tenancies
Removal and storage of goods
Up to $500 per tenancy for residential tenancies
Up to $500 per tenancy for residential tenancies
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

This content applies to new policies and renewal policies commenced or renewed on or after 29 March 2021.

For full details of our policies we recommend you read the relevant Product Disclosure Statement.
The Target Market Determination is also available.