Home and Contents Insurance and Landlord Insurance

Welcome to the home and contents insurance and landlords insurance section of the Propertyinfocus.com.au website..

Once you have successfully purchased your new home or investment property it is essential that you choose the right insurance policy to safeguard you and your asset.  As there are many insurance policies available on the market, it is important that you take the time to meet with your insurance broker or insurance company to ascertain which insurance policy best suits your needs.

For home owners, the most common insurance policies available relate to the protection of your building and the contents within - commonly referred to as home and contents insurance.  Home insurance or building insurance policies will usually cover your house from various types of damage ranging from storm and flood damage, fire damage, burst or leaking pipes to theft and malicious damage while contents insurance will usually protect you in the event that your home is broken into and items such as jewellery, cameras, laptops, televisions etc are stolen.  Some contents insurance policies will even cover your personal belongings should they be accidentally damaged or broken.

On the other hand, if you are a property investor you must look at taking out a landlord insurance policy that provides the right amount of protection to adequately cover you and your investment.  A good landlord insurance policy should at the minimum cover you and your investment property in the event of your tenant or their guest injuring themselves in your property, loss of rent due to the tenant terminating their lease early, the tenant defaulting on rental payments, malicious damage or theft by your tenant and legal expenses in the event that you take legal action against a tenant for outstanding rental payments, theft or damage.