Am I covered for liability claims made against me?

Yes, you’re covered if your tenant or their guest vandalises your property or intentionally causes loss or damage.

You and your tenant must have a valid rental agreement. Your policy doesn't cover damage resulting from wear and tear. For more information, please refer to the Product Disclosure Statement.

Yes, you're covered if your tenant stops paying rent or leaves without giving notice during the term of their rental agreement.

However, if you took out a new policy from 14 June 2020 to 17 April 2021, your policy won’t have rent default cover until your policy renews.

To understand what's covered under rent default, please read the Product Disclosure Statement and the Supplementary Product Disclosure Statement on the policy booklets page.

Generally, workers' compensation insurance covers employees for wages and medical benefits if they are injured in the course of their employment.

Broadform Liability covers you if you become legally liable to pay compensation (to a person other than an employee) for personal injury or property damage.

A rental property is any enclosed building at your premises that has walls, a roof and can be locked up.

Your rental property also includes home improvements such as garages, carports, in ground pools, or fixtures that are permanently attached to your home. For example, light fixtures, built in wardrobes and kitchen cupboards.

If your rental property is a flat or unit, it also includes lockable storage that's reserved for you inside the complex.

The main thing you get with Third Party Property Damage Insurance is ‘liability cover’.

It’s a basic level of cover (all our car insurance policies come with liability cover up to $20 million).

It covers you for damage you cause to other people’s cars or property in an accident.

Run-off liability provides continued cover for claims made against you or your business after your business has closed, been sold, or you’ve retired. It can help cover legal fees or compensation you may need to pay.

Usually, run-off liability is not automatically included in your policy and needs to be requested. If personal injury or property damage occurs after your policy is cancelled, you won’t have cover unless you took up run-off liability.