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Many insurers have stopped offering new landlord insurance policies. Those that are may have stopped offering the option of rent default or loss of rent for new policies. If you have an existing policy you should check with your provider what the conditions are to make a claim under those options.
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Landlord insurance is available in three cover options:
While you aren't legally required to have landlord insurance in South Australia, you're liable as the landlord for injury or death on your property and bear full responsibility in the event of damage or loss to your home or its contents. Also, you must set and adhere to lease terms, collect bond (typically four weeks' rent) and rent for the property. Landlord insurance can protect you against these financial burdens and offers legal liability for such incidents.
To find the right landlord insurance, you need to have a good think about the kind of cover you need. If you're price-minded, be aware that your premiums will increase with the level of cover your policy provides. If you're in the city or you've furnished your property with top-of-the-range furniture and appliances, you may only want contents insurance. If you want comprehensive protection, keep in mind that certain events, such as flood or tenant default, are sometimes offered as an optional extra. Be sure to discuss specific terms and conditions with your insurance provider to ensure the right cover for you.
Wherever you are in Australia, landlord insurance is pretty much the same. However, each state differs a bit with regard to the around the rights and responsibilities of landlords and tenants, which could affect you when you need to make a claim:
Australian home insurance providers usually aren't state-specific, which means homeowners in South Australia can access cover from an extensive range of trusted insurance brands, including:
Landlords are obliged to provide an apartment, house or property that is free of hazards and defects, is fit to live in and complies with all state and local building and health codes. Your property must meet these standards before you can lease it. You're also responsible for securing a bond from your tenant and submitting it to Consumer and Business Services. Other responsibilities include:
As a landlord, it is your right to evict a tenant, so long as adequate notice has been given or if a tenant has broken the conditions of the lease. You can increase rent or length of the lease, though your tenant has the right to refuse the changes and can opt of the lease if you push ahead. If your tenant has left the premises, you can hold the bond until you've completed any repairs or cleaning services that may be required.
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