HBF Landlord Insurance
HBF landlord insurance: review and compare their 3 policy options.
We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!
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.
We don't currently have this brand on our panel. But don't fret! You can head to the HBF website or compare a bunch of other landlord insurance companies with Finder.
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
More guides on Finder
Home office insurance
We talk you through how to get home office insurance.
How to find the best car storage facility to keep your set of wheels safe and secure.
Power outage? Food spoilage insurance
How home insurance can cover you for food spoilage and save you hundreds on wasted food.
Hearing aid insurance
Want hearing aid insurance? Home insurance is the answer.
What are covered events in home insurance?
All home insurance policies have a common list of covered events. These insured events include things like fire, storm and theft.
4.1 million Australians may cut ties with their health insurance provider in 2021
Millions of Australians are shopping around for cheaper health insurance in the new year, according to new research by Finder, Australia’s most visited comparison site.
Get quotes and compare your mobile storage options across Australia.
What is insurance fraud, and how does it affect my home insurance?
Curious to know what happens if you commit insurance fraud on a home insurance claim? Here's what we know, and why you probably shouldn't do it.
Fixtures and fittings: Why they matter in home insurance
Knowing the difference between fixtures and fittings can help you decide which home insurance policy is right for you.
BMW X7 car insurance
Thinking about buying a BMW X7? See average car insurance costs and find out about prestige car insurance