Knowing Your Insurance: reading a landlord policy before you need it

You find out what you actually bought on the worst day of your investment life.

Two landlord policies can look identical, cost within fifty dollars of each other, and pay out completely differently. The difference is usually two words buried in a product disclosure statement that almost nobody reads to the end: defined events, or accidental damage.

A tenant cracks a basin. Gouges the floorboards moving a couch. Leaves a tap running for a weekend. Stops paying rent, and then stops leaving. Whether you are covered for any of that was decided the day you bought the policy, not the day you claim.

Inside:

Defined events versus accidental damage: the distinction that decides your claim

The excess trap that turns a $250 claim into $750

What strata insurance does not cover, and what landlords assume it does

Fusion cover, and why it protects the expensive things

Why claims actually get declined, and the habits that stop yours being one

A full policy comparison checklist you can take to a broker

26 pages, one sitting. Written for the Australian market. PDF, instant download.

Thirty day refund, no questions asked.

Published by Lantern Path Books. General information only, not financial, insurance or legal advice.