Bupa Landlords Insurance

Bupa Landlords Insurance offers flexible options for property owners and money off for members.

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You might be familiar with Bupa health insurance, but that's not the only type of protection they offer. You can also get Bupa Landlords Insurance in Australia. Like its health insurance policies, it has a few different options: buildings cover, contents cover and combined building and contents cover. You can also get 10% off if you're a Bupa member.

warningSome 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.
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Policies you can get with Bupa Landlords Insurance

Bupa Landlords Insurance offers three different polices:

Building and contents cover

Bupa's building and contents cover is its most comprehensive package. It covers your property (e.g. the building itself) and any belongings inside it (including curtains, blinds and more). It can reimburse you for the costs of repairing or replacing parts of the property and the items on it if an insured event, such as a fire, theft or accidental damage, occurs.

Contents only cover

Bupa's contents only cover can protect your items and belongings that are kept at the insured property from things such as fire, theft and storm as well as accidental and deliberate damage by your tenant. It's ideal for property owners with furnished apartments or units that are owned by strata as the building itself is generally looked after by them.

Buildings only cover

Bupa's buildings only cover protects the property itself, including domestic outbuildings like sheds, garages and built-in swimming pools. It can cover you for a number of events including bushfires, storms and more.

Here's a comparison of Bupa's policies

To give you an idea of what you're covered for with the different policies, we've put together a handy table so you can easily compare the features and benefits.

Insured eventBuildings and contents coverContents only coverBuildings only cover
Accidental damage
Fire or explosion
Landslide or subsidence
Accidental glass breakage
Impact by vehicle
Escape of liquid
Malicious act
Storm, flood, rainwater or wind
Water or liquid damage
Electrical motor burnout
Damage by tenant's pet$2,500$2,500$2,500

Some other benefits you get with Bupa Landlords Insurance policies include the following:

More benefitsBuildings and contents coverContents only coverBuilding only cover
Debris removal and demolishing10% of sum insured10% of sum insured10% of sum insured
Mortgagee discharge costLegal costsNoLegal costs
Rebuilding fees10% of buildings sum insured
10% of buildings sum insured
Sale of your rental property
Sum insured increase

Bupa lets you add on some features and benefits to your policy at an additional cost. These include the following:

Optional add-onsBuildings and contents coverContents only coverBuilding only cover
Liability coverSum insuredSum insuredSum insured
Loss of rentCost of rent up to 12 monthsCost of rent up to 12 monthsCost of rent up to 12 months
Rent default and theft by a tenant$5,000$5,000$5,000
Strata title mortgagee protectionAvailable as a standaloneAvailable as a standaloneAvailable as a standalone
Workers' compensation

What excesses are there with Bupa?

An excess is a contribution that you need to make whenever you make a claim. Most types of insurance require you to do this, including Bupa. With them, you may have to pay an excess when you make a claim for the following:

Anything. A basic excess generally always applies and should be outlined in your policy schedule.
Earthquake- or tsunami-related events. An additional excess of $250 generally applies.
Additional covers. If you have any type of add-on cover with your policy, you may have to pay an additional excess.

Submitting a claim through Bupa Landlords Insurance

Submitting a claim with Bupa is pretty straightforward. You can call them on 132 480. The number is open and available 24/7. You should be assigned a claims specialist who will talk you through the claims process. When you call, it's a good idea to have the following information:

  • Your policy number
  • Your contact details
  • Details of others involved in the claim if applicable.
  • Any letters or documents about the incident.

If you can, you should also do the following:

  • Take photos of the damage.
  • Try and keep damaged property so it can be inspected.

Frequently asked questions

What company is the underwriter for Bupa Landlords Insurance?

Bupa Landlords Insurance policies are issued and underwritten by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 (IAL).

Will Bupa Landlords Insurance cover subletting tenants?

Bupa Landlords Insurance is unlikely to cover subletting, like most insurers.

Who is eligible for a Bupa landlord insurance policy?

The main eligibility criteria for a Bupa landlord insurance policy includes:

  • The type of property you own. It must be a free standing house, townhouse, villa or duplex, semi-detached house or terrace. It's not suitable for body corporate buildings and houseboats.
  • How you use the property. It must be rented out to tenants or a short-term rental agreement of more than 1-month.
  • The condition of your home. The home needs to meet acceptable dwelling criteria. For example, it should be secure, watertight, structurally sound and well maintained.

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