SGUA is a niche market underwriter that specialises in providing residential landlord insurance. It is based in Australia and has been around since 1991. Its products are supported by Hollard Insurance Company, one of Australia's leading insurance businesses. Read on to find out what landlord insurance products it offers.
SGUA landlord insurance policy
Here are the landlord insurance products SGUA offers:
Landlord Protection
This can cover you for the building only, contents only, or both. You can get covered for insured events including fire, explosion or lightning, earthquake and tsunamis, theft and more. There is also an SGUA Landlord Value Plus option which includes cover for accidental damage and more.
Holiday Home
SGUA also offers insurance for your holiday home, ideal for those who rent out their holiday home throughout the year. This can cover you for events including fire, storms, water damage and more. You can also insure the contents of your holiday home.
Holiday Unit
This is contents insurance tailored to those whose holiday unit is already insured by an owners corporation or strata. This can include carpets, blinds, curtains, furniture, white goods and more. You'll be covered for water damage, glass breakage, fire, theft and more.
SGUA policy benefits
Check out the table below for an overview of what you'll be covered for with each individual SGUA policy.
An excess is a specific payment that you're required to contribute whenever you make a claim. SGUA will inform you what excess you will need to pay when you make a claim and when. The table below gives you an outline of the excesses that you're likely to pay when you make a claim.
Landlord Protection
Holiday Home
Holiday Unit
Building
$300
$300
No
Contents
$300
$300
$100
Loss of rent
$0
$0
$0
Deliberate damage by tenant
$0
No
No
Theft by tenant
$250
No
No
How to submit an SGUA landlord insurance claim
Before you submit your claim, make sure you've taken all reasonable steps to prevent further loss or damage. Contact the police as soon as possible if there has been a theft or attempted theft or damage was caused by an intentional act. You can lodge your SGUA landlord insurance claim online or get the process started by calling 1800 355 559. The following claim forms are available on the SGUA website:
SGUA's products are supported by Hollard Insurance Company.
Yes. You can get cover for accidental damage with SGUA's Value Plus cover option.
SGUA specialises in insurance products that look after residential investment properties, including holiday homes, units and short-term rental houses and units.
An SGUA landlord insurance policy is suitable for landlords who have a short or long-term rental agreement with a tenant. It should be secrue and watertight, well maintained and kept in good repair. It should not be:
Used for businesses such as motels or bed and breakfasts
Under initial construction
Landlord and Holiday Property insurance does not provide cover buildings so isn't suitable for private residential buildings.
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, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).
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