Yes. If you own an eligible freestanding house, you may be able to choose Landlord Buildings and Contents cover, which can include building cover, landlord contents, loss of rent, certain tenant-related damage and legal liability. 

If you own a freestanding house, you are generally responsible for arranging building insurance if you want cover for the building. 

If you own a strata property, the building is usually insured by the strata body corporate. Building cover is generally not available for strata lots where the building is required to be insured by a strata body corporate or similar entity. 

Some property types, such as certain Survey Strata schemes in WA or Standard Format Plan properties in QLD, may be treated differently because the body corporate may not be required to insure the building. 

Legal liability cover may apply if you have buildings cover, or if you are a strata lot owner with contents cover only. 

The policy may cover your legal liability for personal injury or damage to property arising from an occurrence at the rental property address. 

The most the policy will pay for legal liability arising from any one occurrence or series of related occurrences is $30 million, including approved legal costs. 

CHU Landlord Insurance may cover certain loss or damage caused by tenants or paying guests, depending on the cover selected and the circumstances of the claim. 

This may include theft, vandalism or malicious acts, accidental damage, and damage by tenants’ pets, where the relevant cover applies and the claim meets the policy requirements. 

Cover does not apply to all tenant-related damage. Exclusions, limits and conditions apply, including for wear and tear, poor maintenance, neglect, poor housekeeping, illegal activity and other excluded causes. 

Rent Default by Tenant is an optional cover available for an additional premium. 

It may cover rent you lose if your tenant fails to pay rent in accordance with the lease agreement and certain events occur, such as the tenant leaving without the required notice, being legally evicted, failing to vacate after an order has been served, or being released from the lease due to hardship or family domestic violence. 

Rent Default by Tenant is only available for formal lease arrangements. It is not available for casual lets. 

Strata fixtures are fixtures within a strata lot that the strata body corporate is not required by law or its constitution to insure. 

For strata lot owners, these may form part of landlord contents under the policy. You should consider the replacement value of relevant strata fixtures when selecting your contents sum insured. 

Landlord contents are items you own and provide for your tenants or paying guests to use at the rental property. 

Examples may include: 

• furniture and furnishings; 

• appliances; 

• curtains and blinds; 

• carpets and other floor coverings; and 

• other contents described in the Product Disclosure Statement. 

For strata lot owners, landlord contents may also include strata fixtures that the strata body corporate is not required by law or its constitution to insure. 

When you take out a policy, you can choose from: 

• Landlord Buildings and Contents cover; 

• Landlord Buildings cover; or 

• Landlord Contents cover. 

Building cover is generally not available for strata lots where the building is required to be insured by a strata body corporate or similar entity. However, building cover may be available for certain property types where the body corporate is not required to insure the building, such as some Survey Strata schemes in WA or Standard Format Plan properties in QLD. 

Depending on the cover you choose, CHU Landlord Insurance may include: 

• building cover, if selected; 

• landlord contents cover, if selected; 

• loss of rent, where available; 

• certain loss or damage caused by tenants or paying guests; 

• legal liability, where available; and 

• optional Rent Default by Tenant cover for eligible formal lease arrangements. 

The cover available will depend on whether the property is a strata property, a freestanding house, or another eligible property type. 

No. Home and contents insurance is generally designed for owner-occupiers who live in the property. 

Landlord insurance is designed for property owners who rent out their residential investment property. It can cover rental-related risks such as landlord contents, loss of rent, certain tenant-related damage and legal liability, depending on the cover selected. 

• Damage to the physical building or any other property ordinarily covered under a strata insurance policy.
• Damage where the lot has not been maintained to a reasonable standard.
• Contents items that are not owned by the lot owner and available for tenant use.

(see PDS for full list of exclusions)