Building and Landlord Quote

Building and Landlord Insurance

Let’s start with your property details

Perfect. What type of property is it?

What is your dwelling type?

Single Dwelling
Multi-Dwelling

How many separate self-contained dwellings/units do you own in this property?

Are any units your primary residence

Yes
No

Which units (1,3,4) or (1 to 4) are on the Ground Floor?

Which units are above the Ground Floor?

Select one of the cover options

Replacement value of contents per unit

Perfect. Who is the policy holder or entity
for this property?

When would you like the policy to commence?

What type of rental or lease arrangement applies?

Long Term Lease
Holiday Rental

Long Term Lease - These are formal leases which extend further than 6 months. Holiday Rental - This means short term rental agreement of less than 6 months. An example would be Air BnB.

Is this your primary residence?

Yes
No

Owner-occupied insurance covers personal effects and is tailored for properties used as your primary residence. Landlord insurance, on the other hand, covers contents intended for tenant use, protects against tenant-related damages, and includes liability specific to renting out the property.

Please note, there is no insurance policy available that simultaneously covers both owner-occupied and rented portions of the property.

Additional Property Information

Who is your current insurer?

What is the replacement value of the building (sum insured)?

The replacement value must be at least $250,000

Unsure about the actual construction costs?
Use our Replacement Cost Calcuator to calculate your estimate!

What is the replacement value of the contents (sum insured)?

Is the property strata titled?

Yes
No

Would you like to include rent default coverage?

Yes
No

Rent default protects you if your tenant stops paying the rent and is in breach of a tenancy agreement.

Include loss of rent coverage?

Yes
No

Loss of rent, on the other hand, can pay you a rental income if your property becomes uninhabitable because of an insured event, like a fire, storm or rainwater damage.

Include deliberate damage and theft by tenant coverage?

Yes
No

What are the external walls made of?

And the roof construction?

In what year was the building constructed?

Is the property heritage listed?

Yes
No

What’s your preferred building excess?

And your preferred contents excess?

Thanks! Lets start on some property checks

Do any of the following statements apply to you or your property under this policy?

Your property is not structurally sound and well-maintained.
Your property is for sale.
Your property is a park home or in a caravan park.
Your property is used for commercial or farming activity.
Your property consists of insulated panels and/or insulated cladding.
Your property is on an acreage exceeding 10 acres.
Your property is scheduled for demolition.
Your property is undergoing renovations that are: structural, over $70,000 or will exceed 60 days.
Your property is part of the National Rent Affordability Scheme (NRAS) or a Government/Community scheme.
Your property is being sublet.
Your property lease agreement is in a different name from the occupants residing in the property.
There have been 4 or more separate lease agreements in place in the last 12 months.
Not all leases meet the requirements of the Residential Tenancies Act.
The property has or will be unoccupied for more than 60 days.
The tenant has been in rent arrears (failed to pay rent) within the last 90 days.
The tenant has lost their job, had their hours reduced, or had their rental amount reduced due to economic distress.
The tenant is engaging in behaviour that may result in a breach of lease conditions.
You have had an insurance proposal declined, a policy cancelled or renewal refused, or special terms or conditions imposed by an insurer.
You have been convicted of theft or fraud in the past 5 years.
You have been declared bankrupt in the past 5 years.
You are aware of any existing circumstances that could lead to a claim under this policy.

Yes
No

Client Declaration

Do any of the following statements apply to you or your property under this policy?

You have had an insurance proposal declined, a policy cancelled or renewal refused, or special terms or conditions imposed by an insurer.
You have been convicted of theft or fraud in the past 5 years.
You have been declared bankrupt in the past 5 years.
You are aware of any existing circumstances that could lead to a claim under this policy.

Yes
No

Is the property fully furnished for tenants?

Yes
No

Is the property currently occupied by a tenant?

Yes
No

Has or will be the unoccupancy exceed 90 days?

Yes
No

In the past 5 years, any 3+ claims or one over
$10k on a rental or dwelling?

Yes
No

I would like to add another claim

Let’s add details for your second claim

I would like to add another claim

Add the details for your third claim

Who is this quote for?

Myself
Client

Add another client

Add the details for your second client

Do you need a mortgage or interested party to be noted on the policy?

Yes
No

And is the property managed by a licensed property manager?

Yes
No

Where did you hear about us?

Finally, please confirm the declaration to proceed

Duty to take reasonable care not to make a misrepresentation

Prior to entering into this insurance contract, it is your responsibility to take reasonable care and avoid misrepresenting any information. This duty also applies when you request modifications or extensions to your policy, or during policy renewal. It is imperative that you provide honest, accurate, and complete answers to our queries. A misrepresentation includes any statement that is false or partially false, or does not accurately reflect the truth.

Before modifying or extending your policy, or when renewing it, you must review any information provided by us for accuracy and inform us of any changes if the information is no longer truthful, accurate, or complete. If you are unsure of the answers to any of our queries or whether the previously provided information is still accurate, you should verify and confirm it.

Additionally, when answering our questions, you must do so on behalf of yourself and any other relevant individuals, and we will consider your responses as theirs. As your responses will determine the type of insurance we offer, calculate your premium, and assess any claim you make, it is crucial that you inform us if you have any doubts.

Failure to provide truthful and complete information or notify us of any changes may result in a breach of your duty, and we may cancel your policy or deny or reduce any claim made. To determine if you have taken reasonable care not to make a misrepresentation, we will consider all relevant circumstances, including the product type and target market, explanatory material or publicity produced or authorized by us, how clear and specific our questions were, and whether an agent was acting for you.

Additionally, we will consider if the contract was new, renewed, extended, varied, or reinstated, and any particular characteristics or circumstances relating to you, which we are aware of or should reasonably have been aware of. Finally, when you sign the client declaration, you confirm that you have read and understand this disclosure, and you declare if you have had any insurance proposals declined, any policies cancelled or renewal refused, or if you have been convicted of theft or fraud or declared bankrupt in the past five years. You also confirm if you are aware of any existing circumstances that may lead to a claim under this policy.

I have read and understand the above disclosure*