AAMI Landlord Insurance Policy

What we cover - insured events

This section describes under the headings:

Yes - the insured events you are covered for,

No - the conditions and exclusions that specifically apply to particular insured events.

Yes	No
You are covered for damage or loss occurring during the period of cover and caused by the following events to: when your landlord building is insured, to that landlord building, when your landlord contents are insured, to those landlord contents while they are in your landlord building or at the site.	You are not covered for:
Animals and birds - the actions of animals and birds	Damage or loss caused by: vermin,rodents, insects (including termites) and domestic animals, animals and birds kept in your building or at the site, scratching, chewing, tearing or soiling the exterior of all buildings and the interior of partially enclosed buildings.
Earthquake including subsidence and landslide caused by an earthquake.	Damage or loss caused by tidal wave, tsunami, high tide or other actions of the sea.
Explosion
Fire (burning with flames).	Damage or loss caused by: any process involving the application of heat where there was no flame, for example, cigarette burn marks or scorch marks are not covered. soot and smoke where your landlord building or the site has not been damaged by fire, unless there was an occurrence within your landlord building where no flame resulted but soot and smoke damage was caused.
Flood	Damage or loss caused by high tide.
Impact - sudden and unexpected impact of any: motor vehicle, aircraft, watercraft or space debris, object falling from a motor vehicle or aircraft, falling tree or part of a tree, aerial, mast or satellite dish which breaks or collapses.	Damage or loss caused by: a tree or part of a tree being felled or lopped by a contractor engaged by your tenant or anyone living at the site.
Liquid escaping suddenly and unexpectedly from a: water main, drain, fixed pipe, gutter, guttering, fixed tank or drain, sink, basin, bath, shower, toilet or spa bath, dishwasher or washing machine, fixed heating or cooling system, aquarium.	Damage or loss resulting from: liquid escaping slowly over a period of time where you could reasonably be expected to be aware of this condition. The cost of repairing or replacing the item from which the water or liquid escaped.
Malicious acts and vandalism - actual or attempted by persons who are not living at the site and who enter the building or site without your consent or the consent of any person living at the site.	Damage or loss caused by carelessness, lack of maintenance or poor housekeeping by you or your tenant or anyone living at the site. Damage or loss caused by: your tenant or anyone living at the site or anyone who has entered the landlord building or the site with their consent. unless you have insured the damaged or lost property under AAMI Landlord Insurance with Tenant Protection (see page 35) in which case malicious damage caused by your tenant or your tenant's visitors to your insured property at the site is covered. Damage or loss caused by you.
Riot, civil commotion or labour disturbances	Damage or loss caused if you or your tenant or anyone living at the site participated in the event.
Storm and rainwater including stormwater runoff from areas surrounding the site, or water escaping from any water main, drain, pipe, street gutter, guttering or surface. Storm means violent wind (including a cyclone or tornado), thunderstorm or a heavy fall of rain, snow or hail.	The cost of cleaning or clearing debris from any pool or spa. Damage or loss caused by water seeping into or otherwise entering your landlord building due to: a defect or fault in the design, structure or construction of your landlord building where you could reasonably be expected to be aware of the defect or fault, building alterations, renovations or additions. Damage or loss caused by dust where your landlord building has not been otherwise damaged by storm.
Theft by persons who are not living at the site and who enter the building or site without your consent or the consent of any person living at the site. If the damaged or lost landlord contents were in: the open air at the site, or any buildings or outbuildings that were not fitted with working locks, or partially enclosed buildings or areas of buildings such as carports, balconies, courtyards and verandahs. the amount we will pay is shown on the most recent of your policy schedule and renewal notice.	Damage or loss caused by: your tenant or anyone living at the site or anyone who has entered the landlord building or the site with their consent. unless you have insured the damaged or lost property under AAMI Landlord Insurance with Tenant Protection (see page 35) in which case caused by your tenant or your tenant's visitors is covered. Damage or loss caused by you.
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