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HBF Landlord Insurance

HBF landlord insurance: review and compare their 3 policy options.

Gary Hunter
Gary Hunter

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HBF is best known as Western Australia's largest private health insurance provider. But they also offer several other insurance products, including car, travel, life, home and landlord insurance. Find out more about HBF's landlord insurance policies below.

warningSome landlord insurance policies have temporarily removed benefits such as rent default and a few others because of the pandemic. Make sure to check this with the insurer before deciding on a policy.
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HBF Landlord Insurance policies

HBF offers the following landlord insurance policies:

Building and Contents Cover

HBF's Building and Contents cover is their most comprehensive policy. It covers your property, including any professional offices or surgeries in those buildings, and any belongings at the home, from furniture to jewellery. If an insured event like a fire, theft or accidental damage occurs, they can cover you for the costs of repairing or replacing parts of the property and your items.

Buildings Only Cover

HBF's Buildings Only cover protects the property. This includes professional offices or surgeries, domestic outbuildings like sheds, garages and in-built swimming pools. It can cover you for insured events such as bushfires, storms, accidental damage and more.

Contents Only Cover

HBF's Contents Only cover protects the items and belongings that are kept at the insured property from insured events including fires, theft, storm and accidental damage by your tenant. It's suited to property owners with furnished apartments or units that don't need building insurance because the property is looked after by strata.

An overview of HBF's policies

Here's a list of the benefits you'll be covered for with HBF landlord insurance policies.

Insured eventsBuildingContentsBuilding and Contents
Accidental damage
Burning out of an electric motor
Fire or explosion
Landslide or subsidence
Storm, flood, rainwater or wind
Loss or damage by a tenant or their visitors
Accidental damage or loss caused by a tenant's petUp to $2,500Up to $2,500Up to $2,500
Theft or attempted theft
Water or liquid damage

More benefits you're entitled to with HBF landlord insurance policies.

Additional coversBuildingContentsBuilding and Contents
Debris removal and demolishing10% of sum insured10% of sum insured10% of sum insured
Mortgage discharge costs
Rebuilding fees10% of building sum insured
10% of building sum insured
Sale of your rental property
Automatic increase of sum insured

The list below outlines the optional add ons you can pay extra for to get included in your policy.

Optional coversBuildingContentsBuilding and Contents
Liability coverUp to the sum insuredUp to the sum insuredUp to the sum insured
Loss of rentUp to the sum insuredUp to the sum insuredUp to the sum insured
Rent default and theft by a tenantUp to $5,000Up to $5,000Up to $5,000

HBF's excesses explained

An excess is a specified amount of money that you often need to contribute towards a claim whenever you make one. HBF will let you know if you need to pay an excess when you make a claim. The type of excess that applies and the amount will be listed on your policy schedule. In some cases, you'll need to pay more than one type of excess.

There is usually a standard excess you need to pay each time you make a claim, then an additional excess for more specific claims. For example, your excess will be increased by $250 for any loss or damage that occurs as a result of an earthquake or tsunami. It's also worth pointing out that when you need to claim separate incidents — say for fire and theft — you will generally need to pay an excess for both.

How to submit an HBF Landlord Insurance claim

Submitting an HBF landlord insurance claim is relatively straightforward. Simply call 1300 559 867 to lodge your claim and in most cases HBF will get back to you within 48 hours.

To make the claims process as quick as possible, it's helpful to have the following information:

  • Your policy number
  • Where the incident occurred
  • The date and time that the incident occurred
  • Photos, receipts and other relevant information
  • Proof of ownership

Frequently asked questions

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