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FOR STRATA AND FREE-STANDING PROPERTIES

Contents Insurance for Landlords

If you're a landlord renting out a property, get cover for the contents you own, such as carpets, curtains, furniture and TVs.

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We've got you well covered

Giving you peace of mind

  • Damage to or loss of the contents you own in your rental property

    Caused by fire, break-ins or weather events such as floods, storms, lightning, bushfires, earthquake, tsunamis - and even meteorites!

  • Includes fittings not covered by your owners corporation's building insurance  
  • Quick repair or replacement

    Up to your Sum Insured within limits

  • New for old replacement
  • Storage of undamaged contents

    Up to 10% of your Sum Insured

  • Damage to other people and their property

    Up to $20 million cover for your legal liability for an incident at your rental property connected to you owning the property.

  

Work out the value of your contents from the Contents Calculator

This is just a summary. For full details about what is and isn't covered, check the PDS (Product Disclosure Statement) It's dry, we know, but it's essential reading.

Landlord Contents

Landlord contents are household goods and furnishings that:

  • you (the Landlord) own or are legally responsible for
  • you leave in the property for the tenant's domestic use
  • aren't attached to the building

Think of it as everything you'd usually take with you if you sold your property, for example, carpets, curtains, furniture, kitchenware, washing machines and TVs.

Plus, if you have a unit or other strata title property, it also includes fittings that aren't legally part of the owners' corporation, such as floating wooden floor or air conditioning unit.

This is just a summary. For ful details, check the PDS (Product Disclosure Statement). It's dry, we know, but it's essential reading.

Sum Insured (Landlord Contents)

The total amount you choose to insure the contents you own in your rental property for. It’s the maximum we’ll pay to repair or replace them in the event of an incident.

It’s important that the ‘Sum Insured’ accurately reflects the replacement value of your contents.

Landlord contents limits

Some content items have a 'fixed limit', which is the most we'll pay for that particular item.

For example, the most we'll pay for a hand woven carpet or rug is $1,000.

This is just a summary. For full details, check the PDS (Product Disclosure Statement). It's dry, we know, but it's essential reading.

Fittings

Fittings that aren’t legally part of the building according to the relevant state law. The law varies in each state, so depending on the location of your unit ’fittings’ could include:

  • lino installed in the unit
  • floating wooden floors in the unit
  • air conditioners and spas for the sole use of the tenants of the unit
  • wall paint and paper inside the unit if your unit is located in New South Wales.

 

Landlord contents limits

Some content items have a 'fixed limit', which is the most we'll pay for that particular item.

For example, the most we'll pay for a hand woven carpet or rug is $1,000.

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Tenant Protection

Optional Extra

Extra cover to protect you against the costs of unpaid rent, and theft of your contents by your tenant or their guests.

Is your strata building covered?

If your property is associated with a body corporate or owners corporation, then your building may already be covered. But if it's not already covered, refer to Strata Insurance.

AAMI Lucky Club offers unique experiences exclusive to our customers. Access to shows, events and attractions with a little something extra – for you to enjoy with family and friends. That’s not very insurancey.

Helping you at every step

If you ever need to claim, your dedicated Client Manager will organise every detail from beginning to end.

  • All quotes and repairs
  • Sourcing of materials and replacement items
  • Requirements of your local council or authority
  • Tasks to get your home back to how it was
  • Regular communication with you throughout the process.

Helping you get a better deal

Smart ways to lower your premium

Increase your excess

Sounds complex but it's very easy! With AAMI Flexi-Premiums®, you can choose to increase your excess to lower your premium.

Pay annually

Pay it in one go! You can save with us by choosing to pay your policy annually, since paying in monthly instalments costs a bit more.