Investment home package

Our investment home insurance package was designed with landlords in mind, and includes flexible options such as covering malicious damage or theft by tenants, accidental damage and loss of rent. It can also be customised to suit every need.

Features & benefits

To make sure you’re covered for anything that might arise with your rental tenants, this policy offers you building cover (see below), including loss of rent; emergency repairs and replacement of locks and keys; and contents cover (see below), for items such as curtains and light fittings, as well as a new-for-old contents replacement cover.

You can also add extra cover, such as for personal valuables, or reduce your premium by removing insured events, such as theft, accidental glass breakage, fusion and power surge.

You can even make payments when it suits you: monthly or annually by direct debit or from your bank account or credit card. If you choose to pay annually, you may also pay by cash, cheque or BPAY.

What is covered?

Events covered by our investment home package include: animal damage, earthquake, escape of liquid, fire and explosion, flash flooding, lightning, riots and public disturbances, storm, sudden impact, vandalism, and malicious damage.

Building cover includes:

• Total building replacement cover
• Loss of rent cover
• Replacement locks or keys
• Emergency work and temporary repairs
• Mortgage discharge and new title deed costs
• Loss and damage cover for some construction materials on a renovation site

Contents cover includes:

• Loss of rent cover
• New-for-old replacement
• Demolition & debris removal
• Emergency work and temporary repairs
• Strata title extension
• Replacement locks or keys

Apply online for a discounted premium

Apply online and receive up to 7.5% discount off the base premium when you purchase combined building and contents cover or up to 5% discount off the base premium when you purchase them separately.* You’ll just need the following:

• The property address
• External wall material type
• Security details (if any)
• Weekly rental income
• Date of birth of oldest policy holder
• Estimate of building replacement cost (for building cover)
• Estimate of contents replacement cost (for contents cover)

Otherwise you can call 13 24 23 between 8am and 8pm (AEST) and speak with one of our Customer Service Representatives.

• Important Information
  * This discount cannot be used in conjunction with any other discount or promotional offer other than the Security Discount and No Claim Discount where applicable. Minimum premiums may come into force and reduce the extent to which discounts are applied.
  
  The above is a summary of some of the features of our Residential Home Package and is not to be relied upon as the policy wording. Full details of the cover available including the limitations and exclusions that apply are contained in the CommInsure Home Insurance Product Disclosure Statement (PDF 690KB) and Supplementary Product Disclosure Statement (PDF 87KB).
  
  This advice has been prepared without taking into account your individual objectives, financial situation or needs. You should, before acting on this information, consider its appropriateness to your circumstances. CommInsure is a registered business name of Commonwealth Insurance Limited (CIL) ABN 96 067 524 216 AFSL 235030. A Product Disclosure Statement (PDS) and Supplementary Product Disclosure Statement (SPDS) for CommInsure Home Insurance issued by CIL are available by downloading or by calling 13 24 23 and should be considered before making any decisions about these products.