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Landlord Insurance – Is your policy current and up to date?

By Emma Smith

If you are unsure what level of coverage is best for you, your property manager can give you some guidance.

We’ve listed the MUST HAVES in your policy:

.  Damage from animals to the interior of your property, not including your tenants’ pets or vermin and pests.

.  The effects of natural disasters or fire.

.  Vandalism and theft by someone who didn’t have the consent of you or your tenants to enter the property.

.  Your legal liability for claims arising from accidents onsite which result in bodily harm or death of someone on the property, not including you or your family.

.  Your legal liability for claims where your tenants’ or their guests’ property was damaged in the rental property.

Make sure you are adequately covered. Australia has a competitive insurance market, with plenty providing landlord coverage, so take the time to shop around for comprehensive and cost-effective policy.

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