St.George Landlord Insurance
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When you rent out a property, you've got a lot at stake. St.George landlord insurance can protect you financially if your tenants damage anything, fail to pay their rent, or if a flood, storm or fire wreaks havoc on your property. We've broken down St.George's policies to make it easier to choose one that works for you.
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What cover options does St.George have?
St.George offers three cover options:
- Landlord Building Insurance. This protects your home and building. It covers repairs or rebuilds for any permanent fixtures if an unexpected event, like a fire or flood, damages the property.
- Landlord Contents Insurance. This protects the things inside your home. It covers loss or damage to contents including carpets, appliances, furniture and some electronics.
- Combined Landlord Building and Contents Insurance. This type of policy does both. It looks after both the physical structure and the contents you own inside it.
How does each cover type compare?
St.George offers two levels of landlord building and contents insurance: Essential Care and Quality Care. The table below outlines how they compare with one another.
|Essential Care||Quality Care|
|Storm, flood, lightning, earthquake, impact||Storm cover excludes damage to gates, fences and freestanding walls|
|Escape of liquid|
|Accidental breakage of glass|
|Electrical motor burnout|
|Artworks, collections and collectibles||Up to $3,000||Up to $10,000|
|Televisions, stereos, VCRs, DVD/Blu-ray players and recorders||Up to $3,000||No limit|
|Legal liability||Up to $20 million||Up to $20 million|
|Loss of rent (Additional Extra)|
What additional cover options are there?
There are a few additional extras that St.George offers. These include:
- Malicious acts or theft by tenants. If tenants deliberately damage the property or steal from it, this benefit can reimburse you for up to $20,000 with building only cover.
- Loss of rent due to default by tenants. If your tenant leaves your building before the end of the rental period and fails to pay the rent, St.George can reimburse you. (This may not apply at the moment due to COVID-19.)
- Damage caused by pets. If a pet damages the property when the lease agreement states that no pets are allowed, St.George will cover the damage caused by cats and dogs for up to $500.
- Landlord Workers' Compensation. Available with a Quality Care policy only, St.George will cover you for workers' compensation when you employ a person to do work at your rental property. This is only available in the Australian Capital Territory, Western Australia and Tasmania.
What exclusions are there?
There are some exclusions worth knowing about that may cause your claim to be rejected. You will not be covered for:
- Warranties, for example if something is under warranty
- Maintenance and building, for example defects in the structure or construction of the building
- Failing to keep the property watertight and well maintained
- Failing to undertake building work that you were required to undertake before the loss or damage occurred
- Wear and tear, including gradual deterioration, rust, and earth or soil movement (other than an earthquake)
- Animals, including insects, vermin and pests
- Power surges
- Malicious or unlawful acts
- Business and commercial purposes, for example you can't use any part of the property for running a business
- Common property, for example any part of the home that is part of a strata, group or community title plan
How do I make a claim?
You can call 1300 655 489 or claim online. Check your Policy Schedule to find out your sum insured and to check what excess you'll be required to pay. To submit a claim, you'll need:
- Your personal details
- Your policy number
- Details regarding the event and property or contents damaged, including the date it occurred and how it happened
- Photos, videos and other relevant documents
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