Building and Contents

Covering your building and your fixtures and fittings

Excess Options from $100 to $10,000

Defence Costs

Tax Audit

Malicious Damage and Vandalism Protection

Rent Default Protection (Optional)

Loss of Rent Cover (Optional)

Key and Locks Cover

Legal Liability to $30M, not $20M

Motor Burnout Protection

And Much More (Refer table below)

Your Landlord Insurance Benefits at a glance (Building and Contents)

This benefits summary is intended to provide a snap shot of the policy coverage available through Brees. It provides a description of risks that are covered, those that are not covered, including additional benefits and optional covers. It does not provide a complete statement of the cover offered, any exclusions under the policy, or conditions and/or all limits that may apply under each type of Cover. You should carefully read the Product Disclosure Statement (PDS) and all policy documentation for full details.

Policy Coverage	Listed Events	Accidental Damage
Accidental destruction, loss or damage		Accidental Damage covers any loss or damage that is not specifically excluded under the policy along with any Additional Benefits noted below
Listed events:	A Listed Events policy covers those events listed in the policy along with any Additional Benefits noted below
Accidental loss or damage by your tenant
Deliberate or Intentional Damage
Malicious Damage / Vandalism
Fire
Storm / Storm Surge
Lightning / Thunderbolt
Smoke
Flood incl. Flash Flood
Rainwater
Hail
Wind
Earthquake and Tsunami
Explosion
Escape of liquid
Burglary or Housebreaking, or attempt at either
Theft
Electric Motor Burnout
Accidental Breakage of Glass, Sinks, etc.
Riots, Civil Commotion, Industrial / Political Disturbances
Impact by an Aircraft / Spacecraft
Impact by a Falling Tree
Impact by a Falling Television
Impact by an Animal / Bird
Impact by Vehicles / Watercraft
Erosion, Subsidence, Landslide or Earth Movement
Power Surge
Additional benefits
Flood	Covered	Covered
Tsunami (Cover for loss or damage as a result of erosion, subsidence, landslide or earth movement if caused by a Tsunami)	Covered if loss occurs within 72 hours	Covered if loss occurs within 72 hours
Landslide or Subsidence (if caused by storm, flood, earthquake, tsunami, explosion or escape of liquid from a pipe)	Covered if loss occurs within 72 hours
Unspecified Contents	Up to $20,000 per item	Up to $20,000 per item
Landlord’s Fixtures and Fittings	Part of Building sum insured	Part of Building sum insured
Landscaping, Trees, Shrubs, Plants	$5,000	$5,000
Fixed Exterior Blinds and Awnings	Part of Building sum insured	Part of Building sum insured
Fixed Floor Coverings	Part of Building sum insured	Part of Building sum insured
Inbuilt Pools, Spas, Saunas	Part of Building sum insured	Part of Building sum insured
Jetties, Wharves, Pontoons	Part of Building sum insured	Part of Building sum insured
Drapes, Curtains	Part of Contents sum insured	Part of Contents sum insured
Contents in the Open Air at Risk Address	Part of Contents sum insured	Part of Contents sum insured
Damage to Body Corporate Building by Tenant	Part of Contents sum insured	Part of Contents sum insured
Damage to Body Corporate Building by Tenant’s Pet	$10,000	$25,000
Damage to Body Corporate Building by Visitors	$10,000	$25,000
Un-occupancy period
Removal of Debris – Building insured	Pay up to 10% of the building sum insured	Pay up to 15% of the building sum insured
Removal of Debris – Contents Only insured	Pay up to 10% of the building sum insured	Pay up to 15% of the building sum insured
Electric Motor burnout	Less than 7 years old	Less than 15 years old
Loss or Damage caused by Defects or Faulty Design
Sum Insured Safeguard / Safety Net	Up to 10% of the building sum insured	Up to 15% of the building sum insured
Tax audit	$2,000	$5,000
Mortgagee discharge costs	$1,000
Keys and Lock Replacement	$500	$1,000
Environmental Upgrade: Allowance for Rainwater Tanks, Solar, Hot Water, Grey Water systems following a total loss	$5,000	$5,000
Inflation Adjustment from policy inception for building and contents
Meeting building regulations	Up to general sum insured	Up to general sum insured
Locating source of escaped liquid	Reasonable costs	Reasonable costs
Building materials	Up to $5,000	Up to $5,000
Catastrophe or emergency declared	Up to additional 10% of sum insured
Automatic Reinstatement of Sum Insured following a partial loss
Exploratory Costs
Extra Cost of Rebuilding
Actions of the Sea
Optional covers
Theft by Tenant	Optional – Up to sum insured	Optional – Up to sum insured
- Legal expenses	Optional $2,000	Optional $5,000
Loss of Rent	Optional	Optional
- Property uninhabitable or untenantable	Optional Up to 12 months (long term tenancy), up to 12 months less 5 days rent (short term)	Optional Up to 24 months (long term tenancy), up to 24 months less 5 days rent (short term)
- Prevention of access	Optional Up to 12 months (long term tenancy), up to 12 months less 5 days rent (short term)	Optional Up to 24 months (long term tenancy), up to 24 months less 5 days rent (short term)
Rent Default	Optional	Optional
- Defaulting tenant	Optional $8,000	Optional $12,000
- Vacating without notice	Optional $8,000	Optional $12,000
- Legal Eviction of tenant	Optional $8,000	Optional $12,000
- Stops paying rent	Optional $8,000	Optional $12,000
- Hardship	Optional Additional 6 weeks rent	Optional Additional 6 weeks rent
- Death of Tenant	Optional 6 weeks rent	Optional 6 weeks rent
- Legal costs to minimise Rent Default	Optional $2,000	Optional $2,000
Legal Liability
Limit	$20,000,000	$20,000,000
Additional benefits: (a) Legal Liability Costs (b) Expenses incurred in attending court	Approval required	Approval required

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Landlord Building and Content Policy Document – Product Comparison (175.44 KB)

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