Compare our insurance products
Unsure of which landlord insurance policy is for you? The information presented here contains a brief description of each of our policies and the circumstances under which they may be appropriate. This is designed to help you decide which insurance product will meet your specific needs and helps you compare between policies. Expand each section to read more about the product feature for easy comparison.
SGUA’s range of insurance policies are extremely broad and comprehensive, designed to cover your investment or holiday property for a full range of defined events and unexpected circumstances. Cover is available for a range of situations involving tenant rent default, damage by tenant, theft and fire to legal liability and loss of rent and can help protect your investment against financial loss and give you peace of mind. Packages can be tailored to suit a variety of residential investment property so that whether you are renting out a small apartment, a large house or a holiday home on the beach, you’re in safe hands with SGUA.
Comparison applies to New Business from the 4th of May 2021 and Renewals from the 1st June 2021.
Type of cover |
Landlord Cover Building not included |
Landlord Customised Cover Select your own covers |
Holiday Unit Building not included |
Holiday Customised Cover Select your own covers |
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NB: Defined Events below apply to both Building & Contents cover selection |
Value |
Value PLUS |
Value |
Value PLUS |
Value |
Value PLUS |
Value |
Value PLUS |
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| Section 1 & 2: Building & Contents | |||||||||
| 1 - Building - Defined Events | Not included | Not included | Up to nominated Sum Insured (SI) | Up to nominated Sum Insured (SI) | Not included | Not included | Up to nominated Sum Insured (SI) | Up to nominated Sum Insured (SI) | |
| 2 - Contents - Defined Events | $30,000 | $70,000 | Up to nominated Sum Insured | Up to nominated Sum Insured | $30,000 | $60,000 | Up to nominated Sum Insured | Up to nominated Sum Insured | |
| Fire, Explosion or Lightning | |||||||||
| Earthquake, tsunami or volcanic eruption | |||||||||
| Theft or attempted theft | |||||||||
| Bursting Leaking Discharging or overflowing | |||||||||
| Glass Breakage | |||||||||
| Malicious Damage by Third Party | |||||||||
| Flood (unless specifically excluded) | |||||||||
| Storm | |||||||||
| Impact Damage | |||||||||
| Riot or civil commotion | |||||||||
| Loss of or Damage to the motor of household electrical machines | |||||||||
| Tax Audit Fees | |||||||||
| Accidental Damage by Third Party | |||||||||
| Section 3: Legal Liability | |||||||||
| Optional Cover | |||||||||
| Section 4: Loss of Rent | |||||||||
| Section 5: Damage By Tenants | |||||||||
| Section 6: Tenant's Default | |||||||||
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If these sections are selected on Your policy they will be noted in Your Certificate of insurance. * The Sum insured for Legal Expenses and Garbage Removal is a combined limit for both Sections 5 and 6. This page provides a limited summary only. The policy has exclusions, limitations and sublimits. Before making a decision about this insurance, please consider the full Product Disclosure Statement. |
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