Building and Contents
Covering your building and your fixtures and fittings
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 | ||
---|---|---|
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 | ||
- Legal expenses | $2,000 | $5,000 |
Loss of Rent | ||
- Property uninhabitable or untenantable | Up to 12 months (long term tenancy), up to 12 months less 5 days rent (short term) | Up to 24 months (long term tenancy), up to 24 months less 5 days rent (short term) |
- Prevention of access | Up to 12 months (long term tenancy), up to 12 months less 5 days rent (short term) | Up to 24 months (long term tenancy), up to 24 months less 5 days rent (short term) |
Rent Default | ||
- Defaulting tenant | $8,000 | $12,000 |
- Vacating without notice | $8,000 | $12,000 |
- Legal Eviction of tenant | $8,000 | $12,000 |
- Stops paying rent | $8,000 | $12,000 |
- Hardship | Additional 6 weeks rent | Additional 6 weeks rent |
- Death of Tenant | 6 weeks rent | 6 weeks rent |
- Legal costs to minimise Rent Default | $2,000 | $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 |