AAMI Strata Title Landlord Insurance Policy

What we cover - the landlord contents

Where and how your landlord contents are covered

Which contents?	Where are they insured?	What are they covered against?	How much are they covered for?	What optional cover is available?
Landlord contents provided for your tenant’s use, for domestic or residential purposes.	At your landlord lot or unit.	Damage or loss caused by the insured events listed on pages 1 - 17.	Up to the amount covered except for theft - see page 16.	AAMI Strata Title Landlord Insurance with Tenant Protection provides cover against tenant rent default, malicious damage and theft. See page 30.

Your landlord contents

When you have insured your landlord fixtures and fittings and your landlord contents under this policy, the contents items we cover are those provided for your tenant’s use, for domestic or residential purposes, and which are:

kept at the lot or unit,

not permanently attached to the land or structure at the lot or unit,

owned by you or for which you are legally liable.

These are contents such as furniture, loose floor coverings, wall hangings (for example, prints, paintings, framed photographs), sound and vision equipment (but not portable video cameras, cameras and other photographic equipment and not portable music systems), household linen, bedding, kitchen and dining equipment and free-standing appliances, computers and printers and associated equipment (but not their software and files), outdoor garden furniture and free-standing playground-type equipment.

Your landlord contents do not include

Any:

items that your tenant is liable for under the rental agreement,

watches, jewellery, earrings; other items containing gold, silver, platinum, gems or precious or semi-precious stones; unset precious and semi-precious stones; bullion,

cards, coins, medals, stamps (whether or not in a set or collection),

cash, money orders, gift vouchers, tickets, manuscripts, certificates of title, licences, registration papers, negotiable instruments or documents of any kind,

clothing, furs; handbags, purses and wallets; travel bags, suitcases and briefcases; toiletries,

sunglasses and spectacles; binoculars, telescopes, opera glasses,

portable video cameras, cameras and other photographic equipment, portable music systems,

baby capsules, children’s car seats and prams,

sporting equipment,

videotapes, CDs, DVDs and computer game software,

computer software and files,

contents temporarily removed from your lot or unit,

motorised or other wheelchairs, medical equipment, artificial limbs and artificial body parts, aids and accessories,

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

houseboats, watercraft, aircraft, caravans, trailers and mobile homes (fixed or free-standing), motor vehicles, motorcycles, minibikes, gokarts and golf carts, motorised vehicles of any other type including wheelchairs and the spare parts and accessories of any of these items,

fish, birds, pets or animals of any type,

tools of trade, professional equipment and home business equipment, sundry equipment normally used or associated with an office; stock in trade or samples, business or trade cash takings or business assets, plant or equipment for any type of business including any type of farming,

firearms stored at the lot or unit.