Viewing 8 posts - 1 through 8 (of 8 total)
  • Profile photo of OllieOllie
    Participant
    @ollie77
    Join Date: 2014
    Post Count: 30

    Can anybody tell me if there is an insurer that has landlord, home and contents and public liability insurance in one cover or do I have to do individual policies?
    The property is in NSW

    Thanks Ollie

    Profile photo of CatalystCatalyst
    Participant
    @catalyst
    Join Date: 2008
    Post Count: 1,404

    There are quite a few that offer house and contents and say it’s a landlord policy but you need to read the fine print to be sure you get what you think you do.
    From my past checking it worked out cheaper to get house insurance (which includes public liability and some contents) then get landlord insurance separately.
    NRMA (I think it was) states you have to have the landlord policy if its rented.
    You really need to ring around and compare. It varies a lot, even for different properties. I tried to get all mine under one company but in the end some were cheaper with one company and others cheaper with another. Crazy. I thought having a bank of properties would get me a better deal.

    Profile photo of OllieOllie
    Participant
    @ollie77
    Join Date: 2014
    Post Count: 30

    Thanks Catalyst, I will do the ring around

    Just do it
    Participant
    @just-do-it
    Join Date: 2006
    Post Count: 10

    Ive worked in insurance for the past 7 years. APIA does if you are over 50 and AAMI and GIO do to but all with varying features

    Profile photo of CatalystCatalyst
    Participant
    @catalyst
    Join Date: 2008
    Post Count: 1,404

    Does APIA cover rental properties though as it’s tenanted, not you (the over 50 person) living in it?

    I never thought of them for investments. I do have my own insurance with them.

    Profile photo of Jamie MooreJamie Moore
    Participant
    @jamie-m
    Join Date: 2010
    Post Count: 5,069

    Hey Ollie

    My thoughts are the same as Catalysts – there should be quite a few that offer all three types so you could possibly package up some sort of deal and get a discount.

    Shop around though – and also read the PDS!

    Cheers

    Jamie

    Jamie Moore | Pass Go Home Loans Pty Ltd
    http://www.passgo.com.au
    Email Me | Phone Me

    Mortgage Broker assisting clients Australia wide Email: [email protected]

    Just do it
    Participant
    @just-do-it
    Join Date: 2006
    Post Count: 10

    Yes Apia have a specific landlord policy. It’s a reasonably new product in the last few years. It actually stacks up quite well with it’s features. Nil excess benefit as well if it’s a rent default claim only.

    Profile photo of OllieOllie
    Participant
    @ollie77
    Join Date: 2014
    Post Count: 30

    Thanks all, yes APIA have the product and was reasonably priced.

Viewing 8 posts - 1 through 8 (of 8 total)

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