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As of 15 April 2021, the following brands are still offering new landlord insurance policies. All existing policies should be respected, but it's best to check directly with your insurer.
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Landlord insurance typically comes in three cover options.
Landlord insurance is pretty much identical across the country. However, there are some differences between states around the rights and responsibilities of landlords and tenants and these could have an impact on insurance claims down the road.
Here's what's different in NSW:
While it is not compulsory to have landlord insurance in NSW, as a landlord you are responsible for any damage and public liability for injury or loss on your property. Landlord insurance can protect you against the financial burden you face should there be any damage to your building, loss of contents, rent default, or death or injury on your property. And while it is not required at a state level, some local councils require a level of legal liability, which is included with any level of landlord insurance.
Before you start looking through policies, you should ask yourself a few questions to help you find the right cover. First, what level of cover do you need? Do you want to only protect the building, its contents or do you want total protection. How much are you willing to pay for cover? The more protection you have, the higher your premiums go.
Are you in a city like Sydney, Newcastle or Parramatta? Then you'll probably want to make sure you have adequate protection from theft and vandalism. Are you in a country area like Bathurst, Dubbo or Broken Hill? Then you'll want protection against natural events like fire, flood and storms. Once you've answered these questions, choosing the right policy will be easier.
Landlord insurance providers in Australia are not state-specific, meaning you can get the same benefits from cover as a landlord in Queensland. Some insurers offering landlord cover in NSW include the following:
Your responsibility as a landlord is essentially to provide a habitable apartment, house or property for a tenant. Habitable means the property is free of hazards and defects, is fit to live in and complies with all NSW state and local building and health codes. These responsibilities include the following:
A landlord has the right to evict a tenant, provided you have either provided adequate notice or have a legitimate reason and proof that a tenant has broken the conditions of the lease. You also have the right to increase rent or the length of the lease, provided you have given adequate notice and offer a mutual termination of the lease if the tenant disagrees with the new terms. If, after your tenant has left the premises, you require repairs, maintenance or cleaning service as a result of their living standards or habits, you can withhold the bond until these issues have been sorted or recoup costs against it if the tenant does not comply.
Picture: Unsplash
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