Landlord Insurance

Cover for your residential investment property

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Existing customers:

Important notice about TIO Landlord Insurance

The optional Rent Default and Theft by Tenant cover is unavailable until further notice. This does not apply to existing customers renewing their policy with Rent Default and Theft by Tenant already included on their schedule.

Landlord Insurance

A residential investment property needs to be appropriately protected. TIO’s Landlord Insurance offers protection for your investment property, including the buildings and contents you provide for your tenants’ use.

Depending on the cover you choose your policy can protect you from financial loss if your buildings are damaged or destroyed, or if your contents are damaged, stolen or lost.

For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement.

Landlord buildings insurance is designed to cover the physical structures, like the house itself, garage, sheds, permanently installed swimming pool and decks. Generally for customers who own a freehold property – like a house, townhouse, terrace or semi-detached dwelling.*

See a full list of what is covered under Landlord Buildings cover.

*Customers with a strata, company or community titled property should consider whether they need buildings insurance as in some cases buildings cover may be the responsibility of the body corporate or similar.

For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement.

Your permanently installed swimming pool is covered under your buildings insurance; however the water and chemicals are not covered.

Fixed domestic appliances that are permanently connected to electricity, gas or water, like:

  • air conditioners,
  • ovens,
  • dishwashers,
  • hot water systems or
  • fixed ceiling fans, light fittings
are all covered under buildings insurance.

Trees, shrubs, hedges and plants that are planted in the ground are covered under building insurance, a $5,000 limit applies for all insured incidents except:

  • Storm, storm surge, cyclone, rainwater and run-off, or
  • Flood
In which case a $500 limit applies.

Solar panels are covered under your Buildings policy (as long as the value of the solar panels is calculated in the Buildings sum insured). Plus, where we agree, if your home is completely destroyed we will provide you with up to an additional $5,000 to make your home more environmentally friendly.

Motor vehicles are not covered under buildings or contents insurance however you can view the options available to insure your car.

What’s covered

    • Buildings Cover

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      Building Cover

      Buildings Cover

      What’s covered What’s not covered
      Structures
      • The residential building.
      • Garages, carports, sheds and granny flats.
      • Pipes, cables, ducts, wires, meters and switches used in connection with the supply of water, drainage, sewerage, communication, electricity, cooling and heating that you are legally responsible for and which are connected to your buildings.
      • Water reticulation systems, hose, pipes, sprinklers, fittings, valves and controllers whether above or below ground - cover is limited to $5,000 in total for these items.
      • Decks, verandas, pergolas, gazebos, patios and terraces.
      • Gates, fences, free-standing walls and retaining walls.
      • Paved paths and driveways.
      • Swimming pools (permanently installed), fixed spas and saunas including their fixed accessories (excluding water).
      • Tennis courts.
      • Permanently installed water tanks, sewerage storage or treatment tanks (excluding water).
      • Other structural improvements.
      What’s not covered
      Structures
      • Residential flats, home units or town houses, which are part of a strata title development.
      • Unpaved paths or driveways, including those made of loose or compacted soil, gravel, pebbles, rocks or sand.
      • Buildings that are not lived in (or will not be lived in) for more than 60 consecutive days unless you have our prior agreement in writing.
      • Buildings under construction.
      • Building materials located at the insured address which are to be fitted to the buildings.
      • Wharves, jetties and pontoons.
      • Liquids (including water, chemicals or gas) that are normally stored in a container or for use in items such as a spa, swimming pool or any fixed apparatus, tank, hose or pipe.

      For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement.

      What’s covered What’s not covered
      Fixtures
      • Fixed ceiling, wall and floor coverings (except carpet or rugs), including fixed external blinds and awnings.
      • Built-in furniture, clothes lines and built-in barbeques.
      • Fixed domestic appliances that are permanently connected to electricity, gas or water, like:
        • air conditioners & heating systems,
        • ovens,
        • dishwashers,
        • hot water systems,
        • fixed ceiling fans, light fittings,
      • Solar panels.
      • Satellite dishes and antennas.
      What’s not covered
      Fixtures
      • Carpets, rugs and internal blinds. These are covered under Contents.

      For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement.

      What’s covered What’s not covered
      Landscaping
      • Trees, shrubs, hedges and plants that are planted in the ground – $5,000 limit applies for all insured events except:
        • storm, storm surge, cyclone, rainwater and run off; or
        • flood, in which case a $500 limit applies.
      What’s not covered
      Landscaping
      • Loss or damage caused by tsunami.
      • Grass or lawn (unless part of a tennis court).

      For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement.

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Buildings optional covers

Add any of these optional covers for an additional premium and greater cover.

    • Disaster cover1

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      Building Cover

      Disaster cover1

      Available for Buildings cover only or both Buildings and Contents cover.

      Following a significant event that causes widespread property destruction, like cyclone, earthquake or flood, it is common for building costs to increase significantly when there is high demand for building services.

      If you select Disaster cover, we will pay up to an additional 30% of your Buildings sum insured if the cost of repairing or replacing your building exceeds your sum insured following loss or damage caused by a named cyclone (including storm surge), flood or earthquake (including tsunami).

      Disaster cover does not increase your Buildings sum insured. Any other additional benefits which are payable based on a percentage of the Buildings sum insured will not be increased as a result of this optional cover.

      What’s covered What’s not covered
      • If we accept a claim for loss or damage caused by a named cyclone (including storm surge), flood or earthquake (including tsunami) that is declared to be a disaster event by us, the government or the Insurance Council of Australia, we will pay up to an additional 30% of your Buildings sum insured to:
        • repair or replace your investment property, or
        • pay you what it would cost us to repair or replace your home.
      • No excess applies to this benefit
      What’s not covered
      • Loss or damage which is specifically excluded by any of the insured events. See the PDS for full details.
      • Anything which is specifically excluded in the General Exclusions in the PDS. See the PDS for full details.

      For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement.

      Make sure you insure your investment property for its replacement value

      Even if you have Disaster cover you still need to regularly review your Buildings sum insured – especially after you extend or renovate your investment property. To help you estimate the replacement value of your buildings, use our Home Buildings replacement calculator.

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What insured events you are covered for

No matter which cover you choose, TIO provides protection for a range of insured events.

    • Accidental damage cover

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      Building Cover

      Accidental damage cover

      What’s covered What’s not covered
      If you cover your buildings and/or contents
      • The insured incidents covered in the PDS.
      • If you’ve insured your buildings, we’ll cover any accidental damage or loss to them.
      • If you’ve insured contents (that belong to you and that you have provided for the use of your tenant), we’ll cover any accidental damage or loss to these items at the insured address.
      What’s not covered
      If you cover your buildings and/or contents
      • Loss or damage which is specifically excluded by:
        • any of the other insured incidents listed in the PDS.
      • Loss or damage caused by, or arising from:
        • domestic animals or pets owned by you or your tenants or for which you are legally responsible,
        • removal or weakening of, or interference with, support to land or buildings for the purpose of construction, alterations, extensions, renovations or repairs,
        • incorrect siting of buildings, or
        • demolition of buildings ordered by any legal authority caused by failure to obtain any necessary permits.
      • Anything which is specifically excluded in the General Exclusion in the PDS. See the PDS for full details.

      For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement.

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    • Fire or smoke (including bushfires and grassfires)

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      Building Cover

      Fire or smoke (including bushfires and grassfires)

      What’s covered What’s not covered
      If you cover your buildings and/or contents
      • Loss or damage caused by:
        • fire,
        • bushfires and grassfires, or
        • smoke.
      What’s not covered
      If you cover your buildings and/or contents
      • Loss or damage:
        • which arises gradually out of repeated exposure to fire or smoke,
        • of an item that is designed to be exposed to heat, being exposed to heat during normal use – for example if a heat resistant item like a cooking appliance or fireplace is damaged during normal use, or
        • to any property as a result of scorching and/or melting – for example cigarette burns.

      For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement.

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    • Storm, storm surge2, cyclone2, rainwater or run-off

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      Building Cover

      Storm, storm surge2, cyclone2, rainwater or run-off

      What’s covered What’s not covered
      If you cover your buildings and/or contents
      • Loss or damage caused by:
        • storm,
        • storm surge*,
        • cyclone*,
        • rainwater,
        • run-off (provided run-off is not combined with flood waters).
      • *A 72-hour exclusion period applies for loss or damage caused by storm surge or cyclone - see the PDS for full details.
      • Loss or damage caused by or arising from:
        • soil movement, including erosion,
        • landslide,
        • mudslide, or
        • subsidence,
      • if it is caused directly by and occurs within 72 hours of a storm or storm surge.
      What’s not covered
      If you cover your buildings and/or contents
      • Loss or damage caused by:
        • flood or run-off combined with flood waters. But, you may be covered for these events under the Flood insured event,
        • hydrostatic pressure, or
        • rainwater, run-off, hail, wind or water that enters your buildings through an opening made for the purpose of construction, alterations, additions, demolition, repairs or decorations.
      • Loss or damage:
        • trees, shrubs, hedges and plants planted in the ground,
        • gates, pathways, driveways, fences, freestanding walls or retaining walls, or
        • swimming pool and spa covers, their liners or solar domes,
        • the external paintwork or other exterior coatings of the buildings caused by rainwater.
      • The cost of cleaning mud or debris out of tanks, swimming pools or spas.

      For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement.

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    • Water or other liquid damage

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      Building Cover

      Water or other liquid damage

      What’s covered What’s not covered
      If you cover your buildings and/or contents
      • Loss or damage resulting directly from bursting, leaking, discharging or overflowing of any:
        • domestic home appliances – for example a dishwasher or washing machine,
        • fixed rainwater or hot water tanks,
        • radiators and oil heaters,
        • fixed pipes, gutters or drainpipes, sinks, baths or water carrying apparatus,
        • waterbeds,
        • aquariums designed to hold more than 20L
        • swimming pools or spas.
      • Buildings only
      • If we have agreed to pay a claim for water or other liquid damage to your buildings and:
        • we authorise any exploratory work to locate the source of the damage, we will pay those costs,
        • you incur costs without our prior agreement, we will only pay the covered costs that we consider are reasonable.
      What’s not covered
      If you cover your buildings and/or contents
      • Loss or damage:
        • as a result of gradual escape of water or other liquid over time:
          • where you or a reasonable person could be expected to have been aware of this, or
          • from a shower base, shower recess, shower alcove or the walls surrounding the shower.
      • The cost of repair or replacement of:
        • a defective part or parts that caused the loss or damage, or
        • any broken main or pipe.

      For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement.

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    • Theft or burglary

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      Building Cover

      Theft or burglary

      What’s covered What’s not covered
      If you cover your buildings and/or contents
      • Loss or damage caused by actual or attempted theft or burglary.
      • Up to $1,000 to replace the locks or cylinders of any external door or window if:
        • the key is stolen, or
        • there are reasonable grounds to believe that the key has been copied.
      • No excess applies for the replacement of locks or cylinders.
      • We will only pay for the replacement of locks or cylinders under one section of the policy (either Buildings or Contents, not both).
      What’s not covered
      If you cover your buildings and/or contents
      • Where the actual or attempted theft or burglary is committed by:
        • you, or your domestic helpers, or the invitees of your domestic helpers,
        • any person who is acting with your express or implied consent, or
        • your tenant, or the invitees of your tenant.
      • The replacement of locks or cylinders which are insured by the body corporate or similar.
      • If the actual or attempted theft, burglary or housebreaking:
        • takes place in the internal or external common areas of residential flats, home units, town houses or any type of multiple occupancy residences,
        • relates to contents in the open air, except as set out under 'Contents in the open air at the insured address', or
        • relates to contents items which are not listed as being present on the current property inspection report and/or rental agreement.

      For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement.

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    • Explosion

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      Building Cover

      Explosion

      What’s covered What’s not covered
      If you cover your buildings and/or contents
      • Loss or damage caused by explosion.
      • Loss or damage caused by or arising from:
        • soil movement, including erosion,
        • landslide,
        • mudslide, or
        • subsidence,
      • if it is caused directly by and occurs within 72 hours of an explosion.
      What’s not covered
      If you cover your buildings and/or contents
      • Loss or damage caused by terrorism.

      For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement.

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    • Accidental breakage of glass or ceramic items

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      Building Cover

      Accidental breakage of glass or ceramic items

      What’s covered What’s not covered
      If you cover your buildings
      • Accidental breakage of a fixed glass or ceramic item, like a window, cooking surface or toilet.
      What’s not covered
      If you cover your buildings
      • Tiled shower bases.
      • Cracks, scratches or chips in any item.
      • Glass forming part of any glass-house, greenhouse or conservatory.
      If you cover your contents
      What’s covered
      If you cover your contents
      • Accidental breakage of glass that forms part of the contents that you have included for the tenants use (including fixed or unfixed table tops and hanging wall mirrors).
      • See a full list of what is covered by your contents here.
      What’s not covered
      If you cover your contents
      • Glass in televisions.
      • Glass in items such as crockery, porcelain, china, hand mirrors, glassware, crystal or glass in clocks, vases and ornaments.
      • Cracks, scratches or chips in any item.

      For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement.

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    • Impact damage

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      Building Cover

      Impact damage

      What’s covered What’s not covered
      If you cover your buildings and/or contents
      • Loss of damage caused by impact from:
        • any motor vehicle, train or watercraft,
        • an external aerial or satellite dish which collapses or breaks,
        • an aircraft, or anything dropped or falling from an aircraft,
        • space debris or debris from a rocket or satellite,
        • any animal, excluding any animal kept in your home buildings as a domestic pet, or
        • falling trees or parts of trees.
      What’s not covered
      If you cover your buildings and/or contents
      • Loss or damage caused by you or anyone you give consent to, cutting or chopping trees, or parts of trees, at the insured address.
      • The cost of removing trees or branches if no damage has occurred to your buildings or contents.
      • The cost of removing tree stumps, unless the tree stump is required to be removed to allow for repair or rebuilding of covered loss or damage.

      For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement.

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    • Vandalism or malicious damage

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      Building Cover

      Vandalism or malicious damage

      What’s covered What’s not covered
      If you cover your buildings and/or contents
      • Loss or damage caused by vandalism or a malicious act.
      What’s not covered
      If you cover your buildings and/or contents
      • Where the vandalism or malicious act was by:
        • you or your domestic helpers, or the invitees of your domestic helpers, or
        • anyone acting with your express or implied consent.
      • Loss or damage resulting from:
        • poor housekeeping by your tenant or a member of their immediate family or your tenant’s invitees, or
        • failure by your tenant or a member of their immediate family or your tenant’s invitees to control their children or pets.
      • If the vandalism or malicious act relates to contents in the internal or external common areas of flats, home units, town houses or any type of multiple occupancy residences whether part of a strata title development or not.
      • The cost of cleaning, redecorating, painting or wallpapering unless:
        • physical structural damage has occurred to the buildings, or
        • the buildings have been damaged by graffiti, which we agree necessitates such cleaning, redecorating, painting or wallpapering.

      For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement.

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    • Lightning

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      Building Cover

      Lightning

      What’s covered What’s not covered
      If you cover your buildings and/or contents
      • Loss of damage caused by lightning.

        For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement.

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      • Earthquake or tsunami

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        Building Cover

        Earthquake or tsunami

        What’s covered What’s not covered
        If you cover your buildings and/or contents
        • Loss or damage caused by earthquake or tsunami.
        • Loss or damage caused by or arising from:
          • soil movement, including erosion,
          • landslide,
          • mudslide, or
          • subsidence,
        • if it is caused directly by and occurs within 72 hours of an earthquake or tsunami.
        • An additional excess of $250 on top of any other excess payable under the policy applies to each earthquake and/or tsunami (including a series of earthquakes and/or tsunamis) that occurs during any consecutive 48-hour period.
        What’s not covered
        If you cover your buildings and/or contents
        • Loss or damage caused by actions of the sea.

        For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement.

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      • Riot or civil commotion

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        Building Cover

        Riot or civil commotion

        What’s covered What’s not covered
        If you cover your buildings and/or contents
        • Loss or damage caused by a riot or civil commotion.
        What’s not covered
        If you cover your buildings and/or contents
        • Loss or damage caused by terrorism.

        For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement.

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      • Flood2

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        Building Cover

        Flood2

        What’s covered What’s not covered
        If you cover your buildings and/or contents
        • Loss or damage caused by:
          • flood*,
          • flood water*, combined with run-off and rainwater.
        • *A 72-hour exclusion period applies for loss or damage caused by flood or flood water combined with run-off and rain-water – see the PDS for full details
        • Loss or damage caused by or arising from:
          • soil movement, including erosion,
          • landslide
          • mudslide, or
          • subsidence,
        • if it is caused directly by and occurs within 72 hours of a flood.
        What’s not covered
        If you cover your buildings and/or contents
        • Loss or damage caused by:
          • actions of the sea or tsunami. But, you may be covered for tsunami under the Earthquake or tsunami insured incident,
          • soil movement including erosion, landslide, mudslide or subsidence unless it is directly caused by, and occurs within 72 hours of the flood,
          • shrinkage or expansion of earth or land, or
          • hydrostatic pressure.
        • Loss or damage to:
          • gates, pathways, driveways, fences, freestanding walls or retaining walls,
          • swimming pool and spa covers, their liners or their solar domes.
        • The cost of cleaning mud or debris out of tanks, swimming pools or spas.

        For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement.

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      • Motor burnout

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        Building Cover

        Motor burnout

        What’s covered What’s not covered
        If you cover your buildings and/or contents
        • Damage caused by an electrical current to a domestic household electrical motor (including sealed or semi-sealed refrigeration units).
        • Damage caused by an electrical current to a surge protector that is installed and in use at the time the damage occurs. You will not be required to pay an excess if the damage is limited to the surge protector only.
        What’s not covered
        If you cover your buildings and/or contents
        • You won’t be covered for:
          • any associated repair or replacement costs for items such as fuses, switches, electronic components, printed circuit boards, bearings, lighting or heating elements, protection devices, or electrical contacts at which sparking or arcing occurs in ordinary working,
          • any hire costs associated with a replacement appliance,
          • the cost of repair or replacement of rectifiers and transformers,
          • motors under any warranty or manufacturers’ guarantee,
          • motors more than 10 years old,
          • electric motors in any tools of trade.

        For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement.

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    Buildings cover – additional benefits

    We want to make sure that your policy offers you great features. So, if we agree to pay a claim for loss or damage to your buildings, we may also cover you for the following additional benefits. In most cases additional benefits are paid in addition to your Buildings sum insured and unless stated otherwise, no excess will apply.

      • Rental costs after an insured event

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        Building Cover

        Rental costs after an insured event

        If your buildings are damaged by an insured incident that we have agreed to cover and your buildings can’t be lived in by your tenant, or we agree access to or the use of your buildings was not possible, we’ll pay for your loss of rent on the buildings. This is an extra amount, paid in addition to your buildings sum insured. No excess applies to this benefit.

        (If your building is part of a strata title development and you have contents cover this benefit does not apply to you – see Rental costs after an insured incident under Contents insurance).

        When we pay How much we will pay What’s covered?
        • We will pay this benefit if the loss or damage occurs to your buildings as a result of an insured incident and the building can’t be lived in by your tenant, or we agree access to or use of the buildings is not possible and causes:
          • damage to other property in the vicinity of the buildings,
          • damage within the strata title development itself, where the building is a lot, and
          • this damage prevents access to or use of the building for a minimum period of 7 days.
        How much we will pay
        • We will pay for your loss of rent on the buildings:
          • for the length of time which we agree is reasonably necessary to reinstate your buildings or for which access is denied, or
          • up to a maximum period of 12 months whichever period of time is lesser. The amount we pay will be based on the weekly rent payable by your tenant as at the date of damage to the buildings.
        What’s covered?
        • We will not pay for your loss of rent if:
          • the buildings have not been tenanted for more than 60 consecutive days immediately before the date of the loss or damage (this exclusion will not apply if the insured address was purchased by you less than 60 days before the date of the insured incident), or
          • you did not have a lease or rental agreement in place for your buildings to be tenanted within the 30 days immediately following the date of loss or damage.

        For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement.

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      • Making your investment property environmentally friendly

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        Building Cover

        Making your investment property environmentally friendly

        If your buildings are totally destroyed and need to be rebuilt and you do not already have the relevant environmental equipment, we’ll help you make the new buildings more environmentally friendly.

        This is an extra amount, paid in addition to your buildings sum insured. No excess applies to this benefit.

        When we pay How much we will pay What’s covered?
        • We will pay this benefit when:
          • your buildings are totally destroyed by an insured event, and
          • we have approved these costs before they are incurred.
        How much we will pay
        • We will pay up to $5,000 after deduction of any government or council rebates.
        What’s covered?
        • The environmental systems covered by this benefit are:
          • rainwater tanks,
          • solar power systems (including solar hot water systems or photo-voltaic (PV) power systems),
          • hot water heat exchange systems, and
          • grey water recycling systems.

        For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement.

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      • Debris removal

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        Building Cover

        Debris removal

        We’ll pay the reasonable and necessary costs of demolition and removing debris from your insured address.

        This is an extra amount, paid in addition to your buildings sum insured. No excess applies to this benefit.

        When we pay How much we will pay What’s covered?
        • We will pay this benefit when we have approved these costs before they are incurred.
        How much we will pay
        • We will pay up to 10% of the Buildings sum insured.
        What’s covered?
        • Costs that relate directly to removing debris from the destroyed or damaged part of the buildings.
        • We will not pay for the cost of cleaning mud or debris out of tanks, swimming pools or spas after a storm, cyclone, rainwater or run-off or flood.

        For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement.

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      • Landlord contents

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        Building Cover

        Landlord contents

        Applicable only when you have buildings cover.

        We’ll pay to repair or replace contents you own and that you provide for your tenants use.

        When we pay How much we will pay What’s covered?
        • We will pay this benefit if the loss or damage occurs as a result of an insured incident.
        How much we will pay
        • Our maximum payment for this benefit will be the lesser of $10,000 or up to the remainder of the sum insured after payment of your buildings claim.
        What’s covered?
          • Furniture and furnishings other than electrical items,
          • Fixtures or fittings, or
          • carpets, loose floor coverings, curtains and internal blinds.

        For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement.

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      • Rebuilding and professional fees

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        Building Cover

        Rebuilding and professional fees

        If you need to rebuild your home buildings after total loss or damage, we’ll help pay the costs of architects, engineers, surveyors and solicitors.

        This is an extra amount, paid in addition to your Buildings sum insured. No excess applies to this benefit.

        When we pay How much we will pay What’s covered?
        • We will pay this benefit when we have approved these costs before they are incurred.
        How much we will pay
        • We will pay up to $5,000.
        What’s covered?
        • The reasonable and necessary costs of architects’, engineers’, surveyors’ and solicitors’ fees.
        • The costs must relate directly to the rebuilding of destroyed or damaged buildings.

        For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement.

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      • Building code compliance costs

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        Building Cover

        Building code compliance costs

        If you need to rebuild your buildings after loss or damage, we’ll help pay the costs of complying with any statutory requirements.

        This is an extra amount, paid in addition to your Buildings sum insured. No excess applies to this benefit.

        When we pay How much we will pay What’s covered?
        • We will pay this benefit when we have approved these costs before they are incurred.
        How much we will pay
        • We will pay up to $5,000.
        What’s covered?
        • The reasonable and necessary costs of meeting the requirements of any statutory authority that relate directly to the destroyed or damaged part of the buildings.
        • We will not pay for the costs of complying with the requirements of any statutory authority if you received notice of the requirements or were aware of them before the loss or damage occurred.

        For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement.

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    Landlord contents insurance is designed to cover items at your property – from furniture, removable domestic appliances and white goods which belong to you as the landlord and that you have provided for the use of your tenant.

    It also covers your carpets and window furnishings. See a full list of what is covered under Landlord Contents cover.

    For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement.

    Your curtains and internal blinds are covered under contents insurance.

    White goods such as fridges or washing machines are covered under contents insurance unless fixtures or covered by Buildings cover.

    Light fittings which are not permanently installed to the buildings are covered under contents insurance.

    If your buildings or contents are damaged by an insured incident that we have agreed to cover and your buildings can’t be lived in by your tenant, or we agree access to or the use of your buildings was not possible we’ll pay for your loss of rent on the buildings. See the PDS for full details of the conditions, limits and exclusions.

    Motor vehicles are not covered under buildings or contents insurance however you can view the options available to insure your car.

    What’s covered

      • General Contents

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        Content Cover

        General Contents

        What are your ‘general contents’? These are things you own and that you are legally responsible for, like your furniture, white goods, electrical appliances, clothing, linen and crockery – even carpets.

        What’s covered What’s not covered
        • Carpets and loose floor coverings.
        • Curtains and internal blinds.
        • Furnishings, furniture and household goods.
        • Light fittings which are not permanently installed to the buildings.
        • White goods (like fridge and washing machines) unless fixtures or covered by Buildings cover.
        • Removable domestic appliances and utensils.
        • Swimming pools, saunas and spas (including their fixed accessories) which are designed to be dismantled and moved (excludes water).
        • When the buildings in which the contents are located are part of a strata title development, the term contents also includes fixtures and fittings and other structural improvements which are not insurable by the body corporate.
        What’s not covered
        • Any other items not specifically mentioned in the “What’s covered” list.
        • Anything which is covered under Buildings cover.
        • Contents when they are in the internal or external common areas of a residential flat, home unit, town house or other type of multiple occupancy residence where any of the other owners, tenants, their guests or the public have access (including whilst contained in or on any vehicle on those areas).
        • Liquids (including water chemicals or gas) that are normally stored in a container or for use in items such as a spa, swimming pool or any fixed apparatus, tank, hose or pipe.

        For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement.

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    What insured events you are covered for

    No matter which cover you choose, TIO provides protection for a range of insured events.

      • Accidental damage cover

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        Content Cover

        Accidental damage cover

        Available for both Buildings and Contents cover.
        What’s covered What’s not covered
        If you cover your buildings and/or contents
        • The insured incidents covered in the PDS.
        • If you’ve insured your buildings, we’ll cover any accidental damage or loss to them.
        • If you’ve insured contents (that belong to you and that you have provided for the use of your tenant), we’ll cover any accidental damage or loss to these items at the insured address.
        What’s not covered
        If you cover your buildings and/or contents
        • Loss or damage which is specifically excluded by:
          • any of the other insured incidents listed in the PDS.
        • Loss or damage caused by, or arising from:
          • domestic animals or pets owned by you or your tenants or for which you are legally responsible,
          • removal or weakening of, or interference with, support to land or buildings for the purpose of construction, alterations, extensions, renovations or repairs,
          • incorrect siting of buildings, or
          • demolition of buildings ordered by any legal authority caused by failure to obtain any necessary permits.
        • Anything which is specifically excluded in the General Exclusion in the PDS. See the PDS for full details.

        For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement.

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      • Fire or smoke (including bushfires and grassfires)

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        Content Cover

        Fire or smoke (including bushfires and grassfires)

        What’s covered What’s not covered
        If you cover your buildings and/or contents
        • Loss or damage caused by:
          • fire,
          • bushfires and grassfires, or
          • smoke.
        What’s not covered
        If you cover your buildings and/or contents
        • Loss or damage:
          • which arises gradually out of repeated exposure to fire or smoke,
          • of an item that is designed to be exposed to heat, being exposed to heat during normal use – for example if a heat resistant item like a cooking appliance or fireplace is damaged during normal use, or
          • to any property as a result of scorching and/or melting – for example cigarette burns.

        For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement.

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      • Storm, storm surge2, cyclone2, rainwater or run-off

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        Content Cover

        Storm, storm surge2, cyclone2, rainwater or run-off

        What’s covered What’s not covered
        If you cover your buildings and/or contents
        • Loss or damage caused by:
          • storm,
          • storm surge*,
          • cyclone*,
          • rainwater,
          • run-off (provided run-off is not combined with flood waters).
        • *A 72-hour exclusion period applies for loss or damage caused by storm surge or cyclone - see the PDS for full details.
        • Loss or damage caused by or arising from:
          • soil movement, including erosion,
          • landslide,
          • mudslide, or
          • subsidence,
        • if it is caused directly by and occurs within 72 hours of a storm or storm surge.
        What’s not covered
        If you cover your buildings and/or contents
        • Loss or damage caused by:
          • flood or run-off combined with flood waters. But, you may be covered for these events under the Flood insured event,
          • hydrostatic pressure, or
          • rainwater, run-off, hail, wind or water that enters your buildings through an opening made for the purpose of construction, alterations, additions, demolition, repairs or decorations.
        • Loss or damage:
          • trees, shrubs, hedges and plants planted in the ground,
          • gates, pathways, driveways, fences, freestanding walls or retaining walls,
          • swimming pool and spa covers, their liners or solar domes,
          • the external paintwork or other exterior coatings of the buildings caused by rainwater.
        • The cost of cleaning mud or debris out of tanks, swimming pools or spas.

        For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement.

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      • Water or other liquid damage

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        Content Cover

        Water or other liquid damage

        What’s covered What’s not covered
        If you cover your buildings and/or contents
        • Loss or damage resulting directly from bursting, leaking, discharging or overflowing of any:
          • domestic home appliances – for example a dishwasher or washing machine,
          • fixed rainwater or hot water tanks,
          • radiators and oil heaters,
          • fixed pipes, gutters or drainpipes, sinks, baths or water carrying apparatus,
          • waterbeds,
          • aquariums designed to hold more than 20L
          • swimming pools or spas.
        • Buildings only
        • If we have agreed to pay a claim for water or other liquid damage to your buildings and:
          • we authorise any exploratory work to locate the source of the damage, we will pay those costs,
          • you incur costs without our prior agreement, we will only pay the covered costs that we consider are reasonable.
        What’s not covered
        If you cover your buildings and/or contents
        • Loss or damage:
          • as a result of gradual escape of water or other liquid over time:
            • where you or a reasonable person could be expected to have been aware of this, or
            • from a shower base, shower recess, shower alcove or the walls surrounding the shower.
        • The cost of repair or replacement of:
          • a defective part or parts that caused the loss or damage, or
          • any broken main or pipe.

        For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement.

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      • Theft or burglary

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        Content Cover

        Theft or burglary

        What’s covered What’s not covered
        If you cover your buildings and/or contents
        • Loss or damage caused by actual or attempted theft or burglary.
        • Up to $1,000 to replace the locks or cylinders of any external door or window if:
          • the key is stolen, or
          • there are reasonable grounds to believe that the key has been copied.
        • No excess applies for the replacement of locks or cylinders.
        • We will only pay for the replacement of locks or cylinders under one section of the policy (either Buildings or Contents, not both).
        What’s not covered
        If you cover your buildings and/or contents
        • Where the actual or attempted theft or burglary is committed by:
          • you, or your domestic helpers, or the invitees of your domestic helpers,
          • any person who is acting with your express or implied consent, or
          • your tenant, or the invitees of your tenant.
        • The replacement of locks or cylinders which are insured by the body corporate or similar.
        • If the actual or attempted theft, burglary or housebreaking:
          • takes place in the internal or external common areas of residential flats, home units, town houses or any type of multiple occupancy residences,
          • relates to contents in the open air, except as set out under 'Contents in the open air at the insured address', or
          • relates to contents items which are not listed as being present on the current property inspection report and/or rental agreement.

        For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement.

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      • Explosion

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        Content Cover

        Explosion

        What’s covered What’s not covered
        If you cover your buildings and/or contents
        • Loss or damage caused by explosion.
        • Loss or damage caused by or arising from:
          • soil movement, including erosion,
          • landslide,
          • mudslide, or
          • subsidence,
        • if it is caused directly by and occurs within 72 hours of an explosion.
        What’s not covered
        If you cover your buildings and/or contents
        • Loss or damage caused by terrorism.

        For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement.

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      • Accidental breakage of glass or ceramic items

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        Content Cover

        Accidental breakage of glass or ceramic items

        What’s covered What’s not covered
        If you cover your buildings
        • Accidental breakage of a fixed glass or ceramic item, like a window, cooking surface or toilet.
        What’s not covered
        If you cover your buildings
        • Tiled shower bases.
        • Cracks, scratches or chips in any item.
        • Glass forming part of any glass-house, greenhouse or conservatory.
        If you cover your contents
        What’s covered
        If you cover your contents
        • Accidental breakage of glass that forms part of the contents that you have included for the tenants use (including fixed or unfixed table tops and hanging wall mirrors).
          • See a full list of what is covered by your contents here.
            What’s not covered
            If you cover your contents
            • Glass in televisions.
              • Glass in items such as crockery, porcelain, china, hand mirrors, glassware, crystal or glass in clocks, vases and ornaments.
                • Cracks, scratches or chips in any item.

                  For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement.

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                • Impact damage

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                  Content Cover

                  Impact damage

                  What’s covered What’s not covered
                  If you cover your buildings and/or contents
                  • Loss of damage caused by impact from:
                    • any motor vehicle, train or watercraft,
                    • an external aerial or satellite dish which collapses or breaks,
                    • an aircraft, or anything dropped or falling from an aircraft,
                    • space debris or debris from a rocket or satellite,
                    • any animal, excluding any animal kept in your home buildings as a domestic pet, or
                    • falling trees or parts of trees.
                  What’s not covered
                  If you cover your buildings and/or contents
                  • Loss or damage caused by you or anyone you give consent to, cutting or chopping trees, or parts of trees, at the insured address.
                  • The cost of removing trees or branches if no damage has occurred to your buildings or contents.
                  • The cost of removing tree stumps, unless the tree stump is required to be removed to allow for repair or rebuilding of covered loss or damage.

                  For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement.

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                • Vandalism or malicious damage

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                  Content Cover

                  Vandalism or malicious damage

                  What’s covered What’s not covered
                  If you cover your buildings and/or contents
                  • Loss or damage caused by vandalism or a malicious act.
                  What’s not covered
                  If you cover your buildings and/or contents
                  • Where the vandalism or malicious act was by:
                    • you or your domestic helpers, or the invitees of your domestic helpers, or
                    • anyone acting with your express or implied consent.
                  • Loss or damage resulting from:
                    • poor housekeeping by your tenant or a member of their immediate family or your tenant’s invitees, or
                    • failure by your tenant or a member of their immediate family or your tenant’s invitees to control their children or pets.
                  • If the vandalism or malicious act related to contents in the internal or external common areas of flats, home units, town houses or any type of multiple occupancy residences whether part of a strata title development or not.
                  • The cost of cleaning, redecorating, painting or wallpapering unless:
                    • physical structural damage has occurred to the buildings, or
                    • the buildings have been damaged by graffiti, which we agree necessitates such cleaning, redecorating, painting or wallpapering.

                  For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement.

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                • Lightning

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                  Content Cover

                  Lightning

                  What’s covered What’s not covered
                  If you cover your buildings and/or contents
                  • Loss of damage caused by lightning.

                    For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement.

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                  • Earthquake or tsunami

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                    Content Cover

                    Earthquake or tsunami

                    What’s covered What’s not covered
                    If you cover your buildings and/or contents
                    • Loss or damage caused by earthquake or tsunami.
                    • Loss or damage caused by or arising from:
                      • soil movement, including erosion,
                      • landslide,
                      • mudslide, or
                      • subsidence,
                    • if it is caused directly by and occurs within 72 hours of an earthquake or tsunami.
                    • An additional excess of $250 on top of any other excess payable under the policy applies to each earthquake and/or tsunami (including a series of earthquakes and/or tsunamis) that occurs during any consecutive 48-hour period.
                    What’s not covered
                    If you cover your buildings and/or contents
                    • Loss or damage caused by actions of the sea.

                    For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement.

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                  • Riot or civil commotion

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                    Content Cover

                    Riot or civil commotion

                    What’s covered What’s not covered
                    If you cover your buildings and/or contents
                    • Loss or damage caused by a riot or civil commotion.
                    What’s not covered
                    If you cover your buildings and/or contents
                    • Loss or damage caused by terrorism.

                    For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement.

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                  • Flood2

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                    Content Cover

                    Flood2

                    What’s covered What’s not covered
                    If you cover your buildings and/or contents
                    • Loss or damage caused by:
                      • flood*,
                      • flood water*, combined with run-off and rainwater.
                    • *A 72-hour exclusion period applies for loss or damage caused by flood or flood water combined with run-off and rain-water – see the PDS for full details
                    • Loss or damage caused by or arising from:
                      • soil movement, including erosion,
                      • landslide
                      • mudslide, or
                      • subsidence,
                    • if it is caused directly by and occurs within 72 hours of a flood.
                    What’s not covered
                    If you cover your buildings and/or contents
                    • Loss or damage caused by:
                      • actions of the sea or tsunami. But, you may be covered for tsunami under the Earthquake or tsunami insured incident,
                      • soil movement including erosion, landslide, mudslide or subsidence unless it is directly caused by, and occurs within 72 hours of the flood,
                      • shrinkage or expansion of earth or land, or
                      • hydrostatic pressure.
                    • Loss or damage to:
                      • gates, pathways, driveways, fences, freestanding walls or retaining walls, or
                      • swimming pool and spa covers, their liners or their solar domes.
                    • The cost of cleaning mud or debris out of tanks, swimming pools or spas.

                    For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement.

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                  • Motor burnout

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                    Content Cover

                    Motor burnout

                    What’s covered What’s not covered
                    If you cover your buildings and/or contents
                    • Damage caused by an electrical current to a domestic household electrical motor (including sealed or semi-sealed refrigeration units).
                    • Damage caused by an electrical current to a surge protector that is installed and in use at the time the damage occurs. You will not be required to pay an excess if the damage is limited to the surge protector only.
                    What’s not covered
                    If you cover your buildings and/or contents
                    • You won’t be covered for:
                      • any associated repair or replacement costs for items such as fuses, switches, electronic components, printed circuit boards, bearings, lighting or heating elements, protection devices, or electrical contacts at which sparking or arcing occurs in ordinary working,
                      • any hire costs associated with a replacement appliance,
                      • the cost of repair or replacement of rectifiers and transformers,
                      • motors under any warranty or manufacturers’ guarantee,
                      • motors more than 10 years old,
                      • electric motors in any tools of trade.

                    For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement.

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                Landlord contents cover – additional benefits

                We want to make sure that your policy offers you great features. Unless we have stated differently under one of the additional benefits listed below, the benefit will only apply where we have accepted a claim for loss or damage caused by an insured event.

                Some of the following additional benefits are paid in addition to your contents sum insured. Check each of the additional benefits for details.

                In most cases, no excess applies for these benefits, unless stated otherwise.

                  • Rental cost after an insured incident

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                    Content Cover

                    Rental cost after an insured incident

                    This benefit is applicable only if the building is part of a strata title development and you have contents cover only.

                    If your buildings are damaged by an insured incident during the period of insurance that we have agreed to cover and your buildings can’t be lived in by your tenants, or we agree access to or the use of your buildings was not possible we’ll pay for your loss of rent on the buildings.

                    This is an extra amount, paid in addition to your Contents sum insured. No excess applies to this benefit.

                    No cover is provided under this benefit if you are covered for ‘Rental costs after an insured incident’ under the building cover section.

                    When we pay How much we will pay What’s covered?
                    • We will pay this benefit if the loss or damage occurs to your buildings as a result of an insured incident and the building can’t be lived in by your tenant, or we agree access to or use of the buildings is not possible and causes:
                      • damage to other property in the vicinity of the buildings, or
                      • damage within the strata title development itself, where the building is a lot, and
                      • this damage prevents access to or use of the building for a minimum period of 7 days.
                    How much we will pay
                    • We will pay for your loss of rent on the buildings:
                      • for the length of time which we agree is reasonably necessary to reinstate your buildings or for which access is denied, or
                      • up to a maximum period of 12 months whichever period of time is lesser. The amount we pay will be based on the weekly rent payable by your tenant as at the date of damage to the buildings.
                    What’s covered?
                    • We will not pay for your loss of rent if:
                      • the buildings have not been tenanted for more than 60 consecutive days immediately before the date of the loss or damage (this exclusion will not apply if the insured address was purchased by you less than 60 days before the date of the insured incident),
                      • you did not have a lease or rental agreement in place for your buildings to be tenanted within the 30 days immediately following the date of loss or damage.

                    For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement.

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                  • Contents in the open air at the insured address

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                    Content Cover

                    Contents in the open air at the insured address

                    We will cover your contents in the open air which have been lost or damaged by an insured incident covered by your policy, up to a maximum amount of $200. No excess applies to this benefit.

                    We will not cover contents located:

                    • in the internal or external common areas of residential flats, home units, town houses or any type of multiple occupancy residences,
                    • at a location other than the insured address,
                    • in or on a motor vehicle, caravan, trailer or watercraft, or
                    • in a tent.

                    For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement.

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                  • Debris removal

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                    Content Cover

                    Debris removal

                    We’ll pay the reasonable costs of removing debris if your contents are damaged or destroyed by an insured incident. This is an extra amount, paid on top of your Contents sum insured. No excess applies to this benefit.

                    When we pay How much we will pay What’s covered?
                    • We will pay this benefit when we have approved these costs before they are incurred.
                    How much we will pay
                    • We will pay up to 10% of the Contents sum insured.
                    What’s covered?
                    • The cost of removing contents debris that is a direct result of the insured incident. We will not pay for the cost of cleaning mud or debris out of tanks, swimming pools or spas after a storm, storm surge, cyclone, rainwater or run-off, or flood.

                    For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement.

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                Did you know

                You need to advise us if your property has not been lived in (or will not be lived in) for more than 60 consecutive days.
                You need to advise us if you carry out alterations, additions, demolitions, repairs or decorations to the buildings with a commercial value more than $75,000.
                You need to advise us if you remove or stop using any security devices that were specifically required by us.
                When the buildings in which the contents are located are part of a strata title development, the term contents also includes fixtures and fittings and other structural improvements which are not insurable by the body corporate.
                You need to advise us if you commence renting out your investment property to short term tenants with a rental agreement for less than 90 days.

                Policy Documents and Key Fact Sheets

                We do not provide advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision please refer to the Product Disclosure Statement (PDS). A key fact sheet is also available for reference.

                Frequently Asked Questions

                Take all reasonable precautions to prevent further loss, damage or liability. Contact the police as soon as possible to report any theft or attempted theft or damage caused by international acts, riot or vehicle impact. Contact the TIO Claims Contact Centre on 131 846 and advise the Claims Consultant of what has happened, the Claims Consultant will help you through the landlord insurance claims process.
                No. To lodge a landlord insurance claim, all you have to do is call TIO, on 131 846, and we will take the details over the phone.
                Where we agree to replace your contents, we will arrange this for you – no quotes are required. We will discuss this when you call to lodge your landlord insurance claim.
                Retain receipts, instruction booklets or any other documents that can help provide evidence of your ownership in the event of a claim. Retain a copy of your written rental agreement and details of the bond held and any notices provided to tenants. Claims staff will require this for loss of rent claims. Retain copies of any property inspection reports. Your claims consultant will advise you of what is required to help us process your claim quickly.
                TIO has agreements with national suppliers to replace most items. We organise the quotes and replacement of your possessions and do most of the leg work for you.
                Call us as soon as possible on 131 846 and advise the Claims Consultant of what has occurred. Try to get names and addresses of witnesses, if any, to the event which has brought about the claim. Don’t make any admissions of liability and don’t attempt to settle any claim made against you. The Claims Consultant will advise you of what steps you need to take and will assist you through the landlord insurance claim process.
                If you choose to pay your premium via direct debit you can pay monthly and will incur a service fee of 11%. Alternatively you can pay annually, which does not have any service fees.
                If you have added solar panels or any other additions to your property, you do not need to specify them in your insurance. However it is important that you increase your sum insured to reflect any changes, to make sure you are adequately covered in the event of a home insurance claim. For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement.
                TIO has made the decision to temporarily suspend the availability of 'Rent Default & Theft by Tenant on new Landlord building and / or Contents Insurance policies, until further notice.
                If you do not currently have this optional cover on your existing Landlord Insurance policy, you will be unable to add this option until further notice.
                If you are an existing customer and already have Rent Default and Theft by Tenant cover, this remains unchanged for your current period of insurance. If your policy is due for renewal on or after the 16 May 2020, there will be some changes to Rent Default coverage.
                Previously you could claim $10,000 for any one occurrence of rent default under all the insured events. The maximum amount we will now pay for all claims under rent default which occur during the period of insurance is $10,000 in total. We have had to make this change to ensure we can continue to offer you this cover during a time of COVID-19 uncertainty.

                Currently landlords are requested to provide the following information to demonstrate loss of rental income:

                • Lease/Rental Agreement
                • Rent roll
                • Evidence of notices issued and/or determinations made by authorities (as applicable or available)
                • Invoices for any allowable reletting expenses
                • Details of bond monies held

                Due to the COVID-19 situation, we understand that landlords may not be able to supply evidence of notices or determinations as set out above. In addition to the above information we will require the following additional information (as applicable or available)

                1. Evidence that the tenant has provided to prove they are unable to pay rent – e.g. redundancy/termination notice, proof of JobSeeker/JobKeeper benefits etc.
                2. What other or Government assistance you, as a landlord, have applied for and what financial benefits are you receiving
                3. Evidence of any revised/renegotiated Lease rental amount
                4. If you are receiving savings from reduced real estate agent fees
                5. What actions you have taken to mitigate your losses
                6. Whether you have agreed to offer any rental deferment periods to the tenant
                Talk to a local
                Our contact centre and claims teams live and work in the Territory, so we know Territory conditions.
                We cover various weather events
                With our Buildings and Contents cover, you may be covered for storms, cyclones2, hail, storm surge2 and flood2.
                Trusted since 1979
                TIO was established in 1979 to provide Territorians with insurance options that are right for them. We are as committed and passionate about the Northern Territory as you are.

                *Conditions Apply

                1. Disaster cover

                Only available in conjunction with buildings cover. Following a significant event that causes widespread property destruction, like cyclone, earthquake or flood, it is common for building costs to increase significantly in line with demand.

                If you select Disaster Cover, we will pay up to an additional 30% of your Buildings sum insured if the cost of repairing or replacing your building exceeds your sum insured following loss or damage caused by a named cyclone (including storm surge), flood or earthquake (including tsunami).

                2. 72 hour waiting period for loss or damage occurring from cyclones, storm surge or flood

                To manage the risk of people taking out insurance on their uninsured investment property buildings or contents or increasing cover on their underinsured investment property buildings or contents when events such as cyclones, floods or storm surge are predicted, a 72-hour exclusion period applies to some insured events. We do not provide cover (where the type of cover you have under the policy provides it) for any loss of or damage to your property caused by cyclone, flood or storm surge, during the first 72 hours after you first take out or increase the cover under the policy. However, you will be covered from the time you take out or amend your policy for loss or damage to your investment property buildings and/or landlord’s contents caused by other insured events.

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