HBF Landlord Insurance
HBF landlord insurance: review and compare their 3 policy options.
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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.
HBF is no longer offering Home Insurance. However, the information on this page has been kept for the benefit of existing customers. If you would like to compare the current comparison of home insurance policies, click here.
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 events||Building||Contents||Building and Contents|
|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 pet||Up to $2,500||Up to $2,500||Up to $2,500|
|Theft or attempted theft|
|Water or liquid damage|
More benefits you're entitled to with HBF landlord insurance policies.
|Additional covers||Building||Contents||Building and Contents|
|Debris removal and demolishing||10% of sum insured||10% of sum insured||10% of sum insured|
|Mortgage discharge costs|
|Rebuilding fees||10% 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 covers||Building||Contents||Building and Contents|
|Liability cover||Up to the sum insured||Up to the sum insured||Up to the sum insured|
|Loss of rent||Up to the sum insured||Up to the sum insured||Up to the sum insured|
|Rent default and theft by a tenant||Up to $5,000||Up to $5,000||Up 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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