Landlord Contents Insurance
Cover for loss or damage for the contents you own in your investment property, such as carpets, curtains, appliances, furniture and TVs.
All covers include
Damage from flood, storms1, earthquake, lightning, fire1, impact, explosion
Up to $20 million in legal liability for compensation for injuries to visitors and damage to their property
Automatic safety net in case repair or replacement costs are higher than expected2
Theft3, and malicious acts and unrest
Emergency repairs and protection
Choose from 2 levels of cover
Quality Care
Safety Net
Up to 10% of the sum insured
Removal of debris
Up to 10% of the sum insured
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Cover Limits
- Artworks: Up to $10,000 in total
- Televisions, stereos, VCRs, DVD/Blu-ray players and recorders: No limit
- Landlord fixtures and fittings: Up to $20,000
- Replacement of locks and keys: Up to $1,000
Other limits and exclusions apply.
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Extra Benefits
✓ Accidental breakage of glass
✓ Electrical motor burnout
Limits and exclusions apply.
In general, damage or loss caused by wear and tear or failing to maintain your property are not covered under Landlord Building and Contents Insurance.
Take a look at the Landlord Insurance Product Disclosure Statement (PDF 559KB) for full terms and conditions, including limits and exclusions.
Landlord Extras customers
Have you lost rental income as your tenant has been financially impacted by COVID-19 and cannot pay their rent? You may be able to claim under your Optional Landlord Extras cover, see the Landlord Extras COVID-19 claims FAQs to learn more.
Rent default cover
We’re not currently offering Landlord Extras cover, which includes cover for loss of rent due to default by tenants, to new or existing Landlord Insurance customers. There may be other insurance options available to suit your requirements; please refer to the Insurance Council of Australia for a list of alternative providers.
Optional Landlord Extras4
- Malicious acts or theft by tenants
- Loss of rent due to default by tenants (but not for casually let properties).
Please note, Landlord Extras may not provide cover if your tenant is unable to pay their rent due to COVID-19 circumstances. - Damage caused by pets
Important information
We’re not currently offering Landlord Extras cover to new or existing Landlord Insurance customers.
Important Information
Before making a decision, please read these documents to ensure you’re aware of all fees and charges.
Contents Calculator
Use the Contents Calculator to get an accurate estimate on what it will cost to replace your belongings. You will receive a downloadable report which is handy to receive an accurate quote.
The Building and Contents calculators available through our websites are intended as a guide only.
Offer & Benefits
Save 15% online*
Quote and buy online to save 15% off your annual premium for the first year with promotional code COVER.*
Payment Flexibility
You can pay for your cover monthly or yearly - whatever suits you.^
Simple claims process
24/7 claims support available online and over the phone, we're there for you when you need us. One of our dedicated Australian claims managers will call you back if we have further questions.
The Detail
Cover is subject to your application for insurance being accepted.
Product Disclosure Statements (PDS)
Landlord Product Disclosure Statement (PDF 559KB) (applicable to policies issued on or after the 20 August 2021 or renewed on or after the 5 October 2021)
For the standard terms, conditions and exclusions about our Home & Landlord Insurance, please refer to the relevant Product Disclosure Statement (PDS) and any supplementary PDS (if applicable). To see some of the events covered and not covered, please refer to our Key Fact Sheets (KFS).
^ Premiums payable by instalments may be subject to minor adjustments due to rounding, and financial institution transaction fees may apply.
* Quote and buy online to save 15% off your annual premium for the first year with promotional code COVER.
1 Under Essential cover Storm cover excludes damage to gates, fences, and freestanding walls.
2 Safety net of between 5% and 10% of your sum insured, depending on your type and level of cover.
3 Under Essential cover, contents only covered if the theft occurs from inside a fully enclosed and lockable building at the insured site. Under Quality cover, theft is covered if the theft occurs from a fully enclosed and lockable building at the site, and for up to $2,000 in the open air.
4 A Landlord Extras claim will only be paid if you’re able to provide certain documents and evidence such as:
- A written rental agreement
- A documented booking confirmation (for casually-let properties)
- Documented property inspection reports.
The rental agreement should state the term of the lease, the amount of rent and bond payable by the tenant/s.
Landlord Insurance is issued by Allianz Australia General Insurance Limited ABN 99 003 719 319, which is a corporate authorised representative of Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz Insurance). Bank of Melbourne – a Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 arranges the insurance under a distribution arrangement with Allianz Insurance, but does not guarantee the insurance. This information does not take into account your personal circumstances. Read the Product Disclosure Statement to see if this insurance is right for you.
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Bank of Melbourne's Privacy Policy is available at bankofmelbourne.com.au or by calling 13 22 66. It covers:
- How you can access the personal information Bank of Melbourne holds about you and ask for it to be corrected;
- How you can complain about a breach of the Privacy Act 1988 (Cth) or a registered Code by Bank of Melbourne and how Bank of Melbourne will deal with your complaint; and
- How Bank of Melbourne collect, hold, use and disclose your personal information in more detail.