You can use P&N Bank’s home contents value calculator to get an indication of how much the contents of your property are worth for insurance purposes.
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Landlords Contents Insurance
It's what's on the inside that matters
For investment properties already covered by an owner's corporation or strata, our landlord insurance will help give you broad protection and peace of mind that the contents of your investment property have cover.
Four reasons you'll love having cover through P&N
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Legal costs? We'll pay them Option to cover legal costs arising from the tenancy agreement, like eviction fees or bonds challenges. |
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Vandalism or malicious acts No matter whether it is the tenant or a visitor, deliberate or intentional acts of vandalism or a malicious act are covered.* |
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Automatic flood cover While flooding might not be the first thing that comes to mind when insuring your investment property, we made sure it's the last thing on your mind if it happens by including it automatically.* |
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Destructive pets? We'll pay up to $2,500 in accidental damages caused by your tenants pets. |
What's covered?
| ✔ | Swimming pools and spas |
| ✔ | Carpets |
| ✔ | Curtains and internal blinds |
| ✔ | Furniture and whitegoods |
Not covered by strata?
To ensure the structure of your investment is covered, find out more about Landlords Building and Contents Insurance through CGU.
The choice is yours with these optional extras*
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Workers compensation Cover applies for any staff you employ (as the owner) to perform tasks such as gardening around the property. |
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Liability Choice of $5 million, $10 million, $15 million, or $20 million in liability. |
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Loss of rent If your building is uninhabitable due to an event covered by the policy such as a burst pipe or fire, we will cover up to 12 months worth of rental income, up to your policy sum insured, until the property is able to be rented again. |
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Theft by tenant Theft by tenant covers any items stolen/damaged by the tenant. This cover may be impacted by the COVID-19 pandemic. Please check whether theft by tenant cover is available at the time of query and purchase. |
This is only a summary, see everything that is and isn’t covered in the Product Disclosure Statement (PDS).
Ready to go?
Answer a few questions about your investment property and the things inside it and you could be covered in just a few minutes.
Need to make a claim?
You can make a claim by contacting our partner CGU's 24/7 claims team on 13 24 80.
Find out more.
Home or motor vehicle claims can also be made online by visiting the CGU Insurance claims page.
Frequently asked questions
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How do I know how much to insure my contents for?
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What contents items are not covered in Landlord Contents Insurance?
Landlord Contents Insurance generally does not cover plants and trees, animals, clothing and sporting equipment, among others. Policy terms, conditions, limits and exclusions apply. Download the Landlord Insurance PDS for a full list of non-covered items.
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What specific incidents are covered by Landlord Insurance?
There are some incidents that are covered under specific conditions such as fire or explosion, landslides, flooding, theft and more. Policy terms, conditions, limits and exclusions apply. Please refer to the Landlord Insurance PDS for more detailed information.
See all frequently asked questions.
Important information
*Underwriting criteria, policy terms, conditions, limits and exclusions apply. Please see the PDS for full details.
Police & Nurses Limited (P&N Bank) ABN 69 087 651 876 AFSL/Australian Credit Licence 240701 acts under its own AFSL and under an agreement with the insurer Insurance Australia Limited ABN 11 000 016 722 trading as CGU Insurance. Any advice given is general only and does not take into account your personal objectives, financial situation or needs. Consider the relevant Product Disclosure Statement (PDS) available here and Target Market Determinations (TMD) to see if the product is right for you.