Insurance Policies

Home and Landlord Insurance

BMT Insurance has access to a range of policies to ensure we find the most suitable policy for your situation. With the features and inclusions that you as a property owner needs to protect your investment, we are sure to have a comprehensive policy to suit. Our policy options and expert construction cost knowledge help you have peace of mind that your property will be fully taken care of when something goes wrong.

Policy types

Building Insurance

Covers you for unexpected events that damage your property such as accidental damage, fire, storm and flood.

Contents Insurance

Covers for damage to or loss of your contents and furnishings including things like carpet, blinds and electrical appliances. Theft or damage to your contents by a tenant is also covered.

Landlord Insurance

Covers for your rental property and its contents for tenant related risks including loss of rental income, liability and damage to your contents and building.

Strata Insurance

Covers for residential buildings that are held under a body corporate, strata, owner's corporation or strata manager.

What's covered:

Cover type

Building

Contents

Fire

Storm and rainwater

Flood

Optional

Lightning

Earthquake

Impact

Accidental Damage

Electrical motor burn out, due to electrical current

Malicious Damage

Theft or damage due to theft by tenant

Pet Damage

Loss of metered gas or water

Rainwater tank

Solar panels

Government declared catastrophe

Fumigation costs

Tax audit fees

Regulations and By-laws

Will pay the additional costs of complying with changed government or local authority regulations or by-laws.

Legal Liability

$20,000,000

Loss of Rent following insured loss or damage: Unable to be lived in/leased

52 weeks rent up to a maximum of $1.000 per week unless otherwise stated in Policy Schedule.

Loss of Rent following tenant default

18 weeks rent up to a maximum of $1.000 per week unless otherwise stated in Policy Schedule.

Loss of Rent following a tenant murder or suicide

18 weeks rent up to a maximum of $1.000 per week unless otherwise stated in Policy Schedule.

Loss of Rent following tenant eviction

26 weeks rent up to a maximum of $1.000 per week unless otherwise stated in Policy Schedule.

Legal Expenses

Please note that the policy details in this table are related to one of our insurance partners only. There are other policy options available to you.

What's covered?

Building

Contents

Cover type	Building	Contents
Fire
Storm and rainwater
Flood	Optional	Optional
Lightning
Earthquake
Impact
Accidental Damage
Electrical motor burn out, due to electrical current
Malicious Damage
Theft or damage due to theft by tenant
Pet Damage
Loss of metered gas or water
Rainwater tank
Solar panels
Government declared catastrophe
Fumigation costs
Tax audit fees
Regulations and By-laws	Will pay the additional costs of complying with changed government or local authority regulations or by-laws.
Legal Liability	$20,000,000	$20,000,000
Loss of Rent following insured loss or damage: Unable to be lived in/leased	52 weeks rent up to a maximum of $1.000 per week unless otherwise stated in Policy Schedule.	52 weeks rent up to a maximum of $1.000 per week unless otherwise stated in Policy Schedule.
Loss of Rent following tenant default	18 weeks rent up to a maximum of $1.000 per week unless otherwise stated in Policy Schedule.	18 weeks rent up to a maximum of $1.000 per week unless otherwise stated in Policy Schedule.
Loss of Rent following a tenant murder or suicide	18 weeks rent up to a maximum of $1.000 per week unless otherwise stated in Policy Schedule.	18 weeks rent up to a maximum of $1.000 per week unless otherwise stated in Policy Schedule.
Loss of Rent following tenant eviction	26 weeks rent up to a maximum of $1.000 per week unless otherwise stated in Policy Schedule.	26 weeks rent up to a maximum of $1.000 per week unless otherwise stated in Policy Schedule.
Legal Expenses

Please note that the policy details in this table are related to one of our insurance partners only. There are other policy options available to you.

Contact the BMT Insurance team today on 1300 268 467 (1300 BMT INS) to discuss the policy option that suits your needs.

Request a Quote

Call 1300 268 467

Call 1300 268 467