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  1. #1
    Join Date
    Jul 2003
    Location
    Kapiti in New Zealand
    Posts
    4,032

    Default Landlords Insurance

    Hi all,

    We use Tower Insurnace for our landlords cover. What other companies do people use? I have heard of rentsure but not sure what they are about in regards to pricing and cover.

    Best Regards

    Marc

  2. #2
    Join Date
    Sep 2003
    Location
    Sydney
    Posts
    20

    Default

    Hi Marc

    AON do a combined policy building and landlord cover.

    Darryl

  3. #3
    Join Date
    Jul 2003
    Location
    Kapiti in New Zealand
    Posts
    4,032

    Default

    Hello darryll!

    Thanks for the company name - by the way who is AON?

    Best regards

    Marc

  4. #4
    Join Date
    Sep 2003
    Location
    Sydney
    Posts
    20

    Default

    Hi Marc

    Try http://www.aon.co.nz/

    They are a worldwide insurance company.

    Regards
    Darryl

  5. #5
    Join Date
    Jun 2005
    Location
    Auckland
    Posts
    5,087

    Default Landlords Insurance

    Hi,

    Any recommendations for landlords insurance in NZ. we have used Cirlce in the past, but the have been absorbed by NZI, and premiums have gone up.

    Do you folks go for separate building and 'contents' cover, or a combined policy?

    Does the policy include malicious damage, which includes illegal activity (i.e. Meth labs)?

    Happy insuring.

    cube

  6. #6
    Join Date
    Jul 2003
    Location
    Kapiti in New Zealand
    Posts
    4,032

    Default

    Hello Cube!

    We use Tower Insurance. They seem to be reasonably priced and offer all the bits. Though I am not sure that illegal activity is one of them!! I need to check this as you have raised a very good point.

    The policy covers house and contents as well as a landlord component.

    Best regards

    Marc

  7. #7
    Join Date
    Sep 2003
    Location
    Sydney
    Posts
    20

    Default

    Hi Cube

    I use AON insurance it is a combination policy with building and landlord cover.
    Not sure about the illegal activity part.

    Regards
    Darryl

  8. #8
    Join Date
    Dec 2003
    Location
    Mangawhai
    Posts
    32

    Default

    Hi

    what exactly is landlord insurance, obviously I don't have any. I just have landlord extension on my IP house insurance.

    Thanks
    Paulette

  9. #9
    Join Date
    Jun 2005
    Location
    Auckland
    Posts
    5,087

    Default

    Hi,

    Rentsure www.rentsure.co.nz offer a fixed-price extension to normal insurance to cover all sorts of tenant/IP hazards not covered by normal insurance, or extending the cover significantly. Rentsure is underwritten by NZI.

    Note that Rentsure's policy does NOT cover the risks normally covered by your building insurance - you need that PLUS Rentsure.

    Most normal house policies offer a landlords extension to cover the use of the building as rental, but cover for things like loss of rent is usually limited.

    Since 'P' labs have become a cottage industry, malicious damage cover has pretty much been withdrawn, or is limited and/or expensive. That is more to do with the type of tenant that has a 'P' lab - damage caused by illegal activity is never covered.

    One important point is that the normal insurances (& rentsure) do not cover the use of the property for business use. One example I gave to Tower to get a feel for this was lawn-mowing contractor causing damage (e.g. fire, pertol spillage) whilst cleaning his/her machines - to Tower, this constitutes business use, and would NOT be covered!

    Happy claiming - hope not!

    cube

  10. #10
    Join Date
    Oct 2003
    Posts
    3,578

    Default Landlord Insurance

    Does anyone one use landlord insurance.

    I have been recommended Terri Scheer insurance who is underwriten by NZI. It is only for properties managed by realestate agents.

    Does anyone use anyone else.


 

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