The AAMI Landlord Insurance Policy

What we cover - the landlord building

What do we cover as the landlord building?	What is it covered against?	How much is it covered for?	What optional cover is available?
The landlord building is the dwelling and other structures at the site used for domestic or residential purposes. See below for what the landlord building includes.	Damage or loss caused by the insured events listed on this page	The cost of repairing or rebuilding it at the time the damage or loss occurs.	AAMI Landlord Insurance with Tenant Protection provides cover against tenant rent default, malicious damage and theft. See this page.

This policy also covers ‘other costs’ this page, ‘additional benefits’ see this page and ‘your legal liability’ see this page.

The Building Includes:

outbuildings and permanent structural improvements.

fixtures and fittings that are permanently attached to the landlord building or the site except those your tenant is liable for under the terms of your rental agreement.

fixed wall or floor coverings such as carpets, tiles, floating floors.

cupboards, internal blinds, drapes and curtains.

that part of the building used for performing office work.

services, whether above or below ground, that are your property or for which you are liable.

any jetty at your site owned by you and provided only for your tenant’s domestic use.

The Building Excludes:

anything that is covered under ‘What we cover as landlord contents’ – see this page

any part of the landlord building or the site used for conducting a business, trade, professional services, or farming of any description.

any part of the landlord building or other structures at the site that cannot be locked because that building or structure or part of it is being altered, renovated or rebuilt.

a temporary building or structure or a building or structure in the course of construction.

houseboats, watercraft, caravans, mobile buildings (fixed or free-standing), motorised vehicles of any type and the parts and accessories of any of these items.

the loose surfaces of tennis courts, driveways and paths.

hedges (whether or not they form a fence), lawns, trees, shrubs, plants, flowers, garden beds or any other living material.