ING Landlord Insurance

ING landlord insurance gives you cover with one of the world's leading banking services. 

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ING is a Dutch multinational banking and financial services corporation with headquarters in Amsterdam. It provides a wide range of insurance products including car, travel and home and contents insurance. With its home and contents cover, you can get landlord insurance.

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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ING landlord insurance policy

ING landlord insurance

ING landlord insurance can cover theft and malicious damage caused by your tenants and tenant default cover. You can get cover for loss or damage to the following items in a rented home, up to 5% of the home sum insured. This can include floor coverings, internal window coverings and light fittings.

ING policy benefits

The table below provides an overview of what you'll be covered for with an ING landlord insurance policy.

Insured eventHome and contentsHome insuranceContents insurance
Fire
Theft or attempted theft
Malicious damage, vandalism, riot or civil commotion
Breakage of glass, ceramic and sanitary fixtures
Storms and rainwater damage
Escape of liquid
Lightning
Explosion
Earthquake or tsunami
Impact at the home

Here are some more benefits you can get with ING landlord insurance.

More benefitsHome and contentsHome insuranceContents insurance
Removal of debris and extra rebuilding costs10% of sum insured10% of home sum insured10% of contents sum insured
Temporary accommodation costs10% of sum insured10% of home sum insured10% of contents sum insured
Loss of rent10% of home sum insured10% of home sum insured
Landlord's contents5% of home sum insured5% of home sum insured
Mortgage discharge costs$750$750
Modifications to your home to support paraplegia or quadriplegia$5,000$5,000
Funeral expenses$7,000$7,000$7,000
Replacement of locks and stolen keys$1,000
$1,000
Food spoilage$500
$500
Contents temporarily removed from the insured20% of contents sum insured
20% of contents sum insured
Contents when you are moving20% of contents sum insured
20% of contents sum insured
Cover for unattached equipment, spare parts or accessories$500
$500
Uninsured contents belonging to guests and visitors$500
$500
Legal liability$20,000,000$20,000,000$20,000,000

Listed below are optional add-ons.

Optional add-onsHome and contentsHome insuranceContents insurance
Unspecified personal effects$1,000
$1,000
Specified personal effects$1,000
$1,000
Motor burnout
Commercial storage
Flood
Accidental damage
Tenant default (landlord options)
Theft and malicious damage by tenants and their visitors (landlord options)
Sum insured safeguard25%
25%

ING landlord insurance excesses

An excess is a payment that you usually need to make whenever you submit an insurance claim. With ING, you'll need to pay an excess for every incident that results in loss or damage to your property and its contents. In some cases, depending on the claim, this can include paying an additional excess. These will be outlined on your certificate of insurance. ING will also let you know whether to pay the excess to a repairer, supplier, directly to ING or if it will deduct the excess from you.

How to submit an ING landlord insurance claim

Before you submit your claim, follow these steps.

  1. Get together the relevant facts. Some of the information worth knowing includes:
  • Policy number
  • Police report number (if applicable)
  • Damage reports
  • Repair or replacement quotes for damaged property
  • Incident details, such as time it happened and where it took place
  • Photos
  • Receipts and invoices (if possible)
  1. Lodge your claim. This can be done online or by phone on 1800 611 422.
  2. Get an answer. It usually takes around 10 business days for you to receive your outcome.

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