AAMI Strata Title Landlord Insurance Policy

Yes

No

You are covered for damage or loss occurring during the period of cover and caused by the following events to:

your insured property while it is in your lot or unit.

You are not covered for:

damage or loss to any building, structure or land that comprises or forms part of your lot or unit, or the boundary of it.

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.

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.

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.

a tree or part of a tree being felled or lopped by a contractor engaged by your tenant or anyone living at your lot or unit.

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.

liquid escaping slowly over a period of time where you could reasonably be expected to be aware of this condition.

Damage or loss caused by carelessness, lack of maintenance or poor housekeeping by you or your tenant or anyone living at your lot or unit.

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 30) in which case malicious damage caused by your tenant or your tenant's visitors to your insured property at the lot or unit is covered.

Storm including stormwater runoff from areas surrounding the lot or unit, 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 lot or unit 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 lot or unit has not been otherwise damaged by storm.

Theft by persons who are not living at the lot or unit and who enter the building or or unit without your consent or the consent of any person living at the lot or unit.

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 lot or unit or anyone who has entered the lot or unit with their consent,

unless you have insured the damaged or lost property under AAMI Strata Title Landlord Insurance with Tenant Protection (see page 30) in which case damage or loss caused by your tenant or your tenant's visitors is covered.

Damage or loss caused by you.