TICA Landlord Insurance
TICA landlord insurance provides cover for your investment property, holiday home or unit.
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TICA is Australia's largest tenancy database which helps to protect landlords from bad tenants. With years of experience working with property owners and landlords, it now also offers landlord insurance. Find out more about your options below.
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TICA landlord insurance cover options
TICA provides several landlord insurance policy options. Here's an overview of what it offers:
TICA's landlord insurance policy covers property investment owners for deliberate or malicious damage, fire and explosion and landlord contents. There is also the option of upgrading your landlord insurance to cover events like accidental damage, pet damage and more.
This is insurance for the property itself. It can include garages, sheds and the actual building and covers you for fire, explosion, water damage, theft, earthquakes, floods and glass breakage.
This lets you combine both landlord insurance and building insurance for ultimate peace of mind. It insures you for events including fire, theft, water damage, vandalism, storm, floods and more.
TICA also offers insurance for your holiday home. It provides cover for events including fire, explosion, lightning, earthquakes, accidental glass breakage, malicious damage, storms, theft by third parties and deliberate damage.
If you have a holiday unit you want to rent out, TICA can also provide cover for that by insuring the contents kept at the property. Insured events include fire, explosion, lightning, earthquakes, accidental glass breakage, malicious damage, storms, theft by third parties and deliberate damage.
TICA policy benefits
Here's what you can get with a TICA policy.
|Insured Events||Landlord Insurance||Building Insurance||Combined Insurance||Holiday Home||Holiday Unit|
|Fire, explosion or lightning|
|Earthquake and tsunami|
|Bursting, leaking, discharging or overflowing|
|Fire or explosion resulting from acts of deliberate damage by a tenant|
|Riot or civil commotion|
|Loss or damage to any part(s) of the household electrical machines|
Want more benefits? Here's what else TICA offers.
|More Benefits||Landlord Insurance||Building Insurance||Combined Insurance||Holiday Home||Holiday Unit|
|Deliberate damage by tenants||Optional||Optional||Optional|
|Theft by tenant||$1,000||Optional - $1,000|
|Rent loss caused by tenant||Max of $1,250/week & Up to 52 weeks||Optional - Max of $1,250/week & Up to 52 weeks|
|Court legal expenses||$5,000||Optional - $5,000|
|Loss of rent (insured events)||Reasonable cost & Up to 12 months||Optional - Reasonable cost & up to 12 months||Optional||Optional|
|Temporary removal of contents||20% of contents sum insured||20% of contents sum insured||20% of contents sum insured||20% of contents sum insured|
|Contents in transit|
|Strata title mortgagee's protection||Optional|
|Prevention of access||Optional||Optional|
TICA landlord insurance excess: How it works
The excess is a payment you need to contribute towards a claim when an insurer agrees to cover you. You have to pay any excesses which apply to your claim. They're generally outlined in your Policy Schedule. With TICA, your excess may include:
- Standard/basic excess. This is usually applied whenever you make a claim and is generally around $300.
- Theft by tenant. An excess of $250 generally applies.
- Earthquake or tsunami damage excess. You might need to pay an additional excess for claims related to earthquakes or tsunamis.
How to make a TICA landlord insurance claim
You can make a TICA landlord insurance claim online. The following claim forms are available on its website:
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