Benefits
Loss of rent
Up to $20,000 to cover rent if your house can’t be tenanted or lived in after a loss.
Landlord's contents
Up to $10,000 for loss or damage of contents that you leave in your rental house.
Unlawful substances
We cover the cost of decontaminating rooms which exceed government standards of trace methamphetamine levels.
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.
FMG’s Rental House policy is designed specifically for your rental properties and includes cover for the physical house and other structures like garages and driveways, but also includes specific cover benefits for you as a landlord.
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
Lifestyle block fencing
Insures fencing or windbreaks used for lifestyle block operations for 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.
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.
Rental House Policy Wording Effective for new policies, items or renewals from:
