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.
Some 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.We don't currently have this brand on our panel. But don't fret! You can head to the TICA website or compare a bunch of other landlord insurance companies with Finder.
TICA landlord insurance cover options
TICA provides several landlord insurance policy options. Here's an overview of what it offers:
Landlord insurance
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.
Holiday home
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.
Holiday unit
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.
| Type of cover | Landlord | Landlord Plus | Landlord Customised | Landlord Customised Plus | Holiday Unit | Holiday Unit Plus | Holiday Customised | Holiday Customised Plus |
|---|---|---|---|---|---|---|---|---|
| Building | Not included | Not included | Sum Insured | Sum Insured | $30,000 | $60,000 | Sum Insured | Sum Insured |
| Contents | $30,000 | $70,000 | Sum Insured | Sum Insured | $30,000 | $60,000 | Sum Insured | Sum Insured |
| Fire | ||||||||
| Earthquake | ||||||||
| Theft | ||||||||
| Water Damage | ||||||||
| Glass Breakage | ||||||||
| Malicious Damage | ||||||||
| Flood | ||||||||
| Storm | ||||||||
| Impact Damage | ||||||||
| Riot or civil commotion | ||||||||
| Motor Burnout | ||||||||
| Tax Audit Fees | ||||||||
| Accidental Damage | ||||||||
| Legal Liability | $20 million | $20 million | $20 million | $20 million | $20 million | $20 million | $20 million | $20 million |
| Optional | ||||||||
| Loss of Rent | 52 weeks | 52 weeks | 52 weeks | 52 weeks | $50,000 | $50,000 | Sum Insured | Sum Insured |
| Prevention of access | 52 weeks | 52 weeks | ||||||
| Damage and Theft by Tenants | Damage by Tenants | |||||||
| Deliberate Damage | $50,000 | $70,000 | Building Sum Insured | Building Sum Insured | $50,000 | $60,000 | Building Sum Insured | Building Sum Insured |
| Accidental Damage | $70,000 | $70,000 | $60,000 | Building Sum Insured | ||||
| Damage Rent Loss | Tenant's Default will be noted on the Certificate of Insurance | 52 weeks | 52 weeks | 52 weeks | 52 weeks | |||
| Theft | $50,000 | $70,000 | Building Sum Insured | Building Sum Insured | ||||
| Garbage Removal | $500 | $500 | ||||||
| Legal Expenses | $5,000 | $7,500 | $5,000 | $7,500 | ||||
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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