Questions & Answers
This information is specific to QBE Landlords Cover policies. If you have a more general question about your insurance, please click here.
Q. What events am I covered for?A. You are covered for loss or damage caused by defined events.
Q. Can I cover myself for damage caused by my tenants?
A. Yes, you have the option for an additional premium to cover yourself for damage by tenants up to $10,000 after the excess of $750 is deducted.
Q. What about loss of rent?
A. You have cover for loss of rent as a result of your property not being fit to live in while it is being repaired or rebuilding is taking place.
Q. What is Legal Liability cover?
A. Legal Liability protects you if you become legally liable as an owner for bodily injury or death to another person or for loss or damage to another person’s property.
Q. What should I do if I need to claim?
A. Call us right away on 1300 361 516 (24 hours).
Q. How do I calculate my sum insured?
A. Use our quick and easy online calculators to help you decide the sum insured.
The replacement cost of your investment property may vary depending on its design, features, fixtures and fittings. You should also consider whether you need a professional valuation.
Q. Will my home be covered if I left it unoccupied between tenants?
A. Yes. You’re covered for unoccupied/unfurnished circumstances between tenants for up to 30 days. For longer periods, please call us.
Q. Is fusion cover standard with your policy?
A. Your policy covers you for fusion of household electric motors up to $1,000 after we have deducted the excess and depreciation where applicable.
Q. Do you cover building costs?
A. As part of your sum insured, you are covered for building costs following damage to your investment property including temporary protection of your property, removing debris from the site, employing an architect or surveyor, demolition, and complying with statutory notices relating to the repair or rebuilding of your property.