Tick Icon Landlord's contents

Up to $10,000 for loss or damage of contents that you leave in your rental house.

Tick Icon No excess on replacement locks and keys

If your house keys, locks, or electronic keypads are lost or stolen, we’ll pay to replace them.

Tick Icon Employee rehousing

Cover to rehouse employees if we have accepted your claim and the house cannot be lived in for a time.

Tick Icon Unlawful substances

We cover the cost of decontaminating rooms which exceed government standards of trace methamphetamine levels.

FMG’s Employee House policy is specifically designed to cover properties you own for employee housing.

It provides cover for the physical house and other structures like garages and driveways, but also includes specific cover benefits for you acting as a landlord for an employee.

This policy automatically covers your legal liability in the event you accidentally damage someone else’s property or contents, or accidentally injure someone at your property.

It includes cover for your legal liability under the Innkeepers Act 1962, for loss or damage to property caused by a guest. This policy also covers up to $5,000 for hidden damage caused over time by a leaking internal waste or water pipe.

Optional benefits

You can purchase optional benefits for even more comprehensive cover

Excess free for accidental breakage of glass and sanitary fixtures (FMG recommended)
If your claim is for accidental breakage to glass doors, windows or skylights, permanently fixed mirrors that are part of the house, hand basins, baths, toilet bowls or glass shower doors, you won’t have to pay an excess.

Lifestyle block fencing 
Insures fencing or windbreaks used for operations on your lifestyle block for present day value, up to $5,000.

Lifestyle block pumps and motors
Pumps and motors used to service your lifestyle block are insured against breakdown or failure, up to the value of $5,000.

Matching floor coverings 
If your carpet or other floor coverings need replacing after a loss covered by this policy, and you can’t find a match for what you have in other rooms, then we’ll replace the lot.

To understand which policy wording applies to you, please check your Certificate of Cover, or head online to FMG Connect to view all your policy details, including the dates of your policy period. If you're unsure, give us a call.

For more information on our recent policy changes click here.

This is a summary view of our policy and is subject to our specific product documentation and underwriting criteria. For full details please download the policy wording or get a free copy by calling us on 0800 366 466.

Employee House Policy Wording Effective for new policies, items or renewals from:

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