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ANZ is one of Australia's most respected insurance providers. If you rely on rental income, it could be a lifeline when something inevitably goes wrong with your property. It can safeguard your investment from fires, floods, damaged belongings and more - so is it worth it for you? We've broken it down to make your decision easier.
We don't currently have this brand on our panel. But don't fret! You can head to the ANZ website or compare a bunch of other landlord insurance companies with Finder.
What cover options does ANZ landlord insurance offer?
ANZ landlord insurance offers three types of protection: combined building and contents insurance, building insurance and contents insurance. Here's what they do:
Building insurance. This looks after residential properties, including professional offices and surgeries, and more specifically the building itself. That means you're covered for any built-in parts of the building (like built-in air con and swimming pools) including walls, floors and ceilings as well as things like garden sheds, pipes, cables, meters and other permanent fixtures.
Contents insurance. This won't cover any of the above. Rather, it covers the contents of the property, including carpets, furniture, curtains, blinds, furnishings, removable appliances, non-permanent light fittings and more.
Building and contents insurance. This combines and covers everything listed above for full comprehensive protection.
How does each ANZ landlord insurance cover type compare?
Key benefits
Buildings and contents
Buildings only
Contents only
Flood
Bushfires
Natural events including lightning, earthquake & storms
Full building replacement
Cover for accidental glass breakage
Loss of rent
Rental default
Optional
Optional
Optional
Cover for vandalism or malicious acts
New for old contents replacement
What additional cover options are included?
If your property suffers loss or damage as a result of an insured event, building insurance can cover you for the following:
Architects, surveyors and legal fees
Demolition and removal of debris costs
Loss of rent
Mortgage discharge costs
Replacing and repairing keys and locks
Trees, plants and shrubs replacement
With contents insurance, you'll also be automatically covered for the following.
Loss of rent. If an insured event prevents your property from inhabitable, ANZ will cover you for loss of rent. You may be covered for your listed rental amount for up to 12 months.
Replacing and repairing keys/locks. If an insured event occurs, they'll have someone come out and replace or mend your keys and locks.
What's not covered?
All policies have exclusions and it's important you know what you won't be covered for. Some of the main exclusions include:
Loss or damage caused by maintenance or repairs that have been carried out by the tenants, or on their behalf.
Loss or damage caused by pets.
Loss or damage caused by general wear and tear, including erosion and rust.
Past damage that has been left unrepaired.
Items owned by the tenant, including furniture, clothing and other personal items.
Rental default where you haven't taken all possible legal avenues available.
Contents that are not related to the letting of the property.
How do I make a claim?
You should always contact ANZ as soon as possible when you want to make a claim. With ANZ, you can claim online or call 13 16 14. To avoid delays, have all the necessary information ready before submitting your claim. Some of the information you'll need to provide will include:
Your policy holder details
Your name and preferred contact number
Your email address
The address of the insured property
Whether the property is still inhabitable
Incident details including when it occurred and any supporting documents
Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, news.com.au, The Telegraph, Explore Travel and Escape. Gary holds a Kaplan Tier 1 General Insurance (General Advice) certification and a Kaplan Tier 1 Generic Knowledge certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).
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