To take out Householders Rental (building and contents), the property must be a standard residential home (not a hostel, shipping container, motel, etc.).

To take out Householders Rental (building and contents), the landlord must not live in the property.

Householders Rental (building and contents) offers cover for contents and building, and is designed for standalone homes and townhouses that can be insured separately and need cover from the driveway to the backyard. It is not a body-corporate policy, and has not been designed for strata-titled buildings required to be insured under body-corporate (or similar) insurance.

Householders Rental (building and contents) offers protection for loss of rent during repairs when a property is unable to be lived in following damage by an insured event (such as fire, storm and flood) and we have agreed to pay the claim for the damage. However, general loss of rent is not included in this policy. So, for events like when a tenant defaults on rent or faces hardship, it is not covered. This policy also does not include cover for accidental or intentional damage to the property caused by the tenant. If you need cover for tenant-related risks, RentCover Platinum may be of interest.

To take out this policy, the property should not be rented to tenants on a short-term basis (e.g. Airbnb or holiday accommodation).