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Landlord Insurance
  Cover Includes
  Default Rent - Up to 15 weeks
  Legal Liability - Up to $20 million
  Fire & Explosion deliberately caused by the tenant to the Building or Contents - Up to $50,000
  Loss of Rent - Up to 52 weeks
  Landlord's Contents - Up to $30,000
  Deliberate, Malicious or Intentional Damage by Tenants, including Theft by Tenant - Up to $50,000

Landlord Insurance
  Cover Includes
  Default Rent - Up to 15 weeks
  Legal Liability - Up to $20 million
  Fire & Explosion deliberately caused by the tenant to the Building or Contents - Up to $50,000
  Loss of Rent - Up to 52 weeks
  Landlord's Contents - Up to $30,000
  Deliberate, Malicious or Intentional Damage by Tenants, including Theft by Tenant - Up to $50,000

 
Information
 
Selecting the right Landlord Insurance policy is just as important as selecting the right tenant. Landlord Insurance should not be the only form of risk management but a part of easing the possible financial burden placed on landlords not only by a defaulting tenant but other unforeseen events that may occur.

Three main things that most people look for before taking out an Insurance Policy cover are:

1. Cost
Our insurance policies are competitively priced to cater to property investors needs. TICA recommends reading the Product Disclosure Statement to make an informed decision when comparing policies.

2. Cover offered
Have a full understanding of what the policy covers and under what circumstances you can claim.

3. Excesses payable
Do you or your landlord’s know the excesses payable on various claims under their policy?

The excess payable quite often determines whether a landlord is willing to claim on their insurance policy. High excesses may diminish the value of having an insurance policy and does not sufficiently diminish the burden left to be carried by the landlord after the insurance has paid out.

We believe TICA offers one of the best Landlord Insurance policies to the industry underwritten by one of Australia’s largest Insurance companies The Hollard Insurance Company Pty Ltd

TICA’s Landlord Insurance policy, titled “Landlords Extra Protection Insurance” (POEP) is the most competitively-priced policy offering what we believe is the best coverage and excesses. POEP Insurance offers your landlord an affordably priced policy, wide coverage and low to nil excesses on all claims.
 
Criteria for Requesting/Accepting Cover
Rent is under $1,250 per week
Property must be managed by a licensed agent or equivalent
Tenants are not in arrears at the time of request
 
Click here to view TICA Insurances Financial Services Guide.
 
Landlord Insurance
  Cover Includes
  Default Rent - Up to 15 weeks
  Legal Liability - Up to $20 million
  Fire & Explosion deliberately caused by the tenant to the Building or Contents - Up to $50,000
  Loss of Rent - Up to 52 weeks
  Landlord's Contents - Up to $30,000
  Deliberate, Malicious or Intentional Damage by Tenants, including Theft by Tenant - Up to $50,000

 
Prices & Excess
 
Yearly Premium Prices
 
NSW $285.00   NT $270.00   SA $210.00
               
ACT $245.00   VIC $235.00   TAS $200.00
               
WA Postcode     QLD Postcode;        
6000-6646 $210.00   4000-4702 $245.00      
6701-6799 $260.00   4703-4895 $295.00      

Claims are subject to the following excesses:

Contents $50.00
Earthquake $200.00
Theft by tenants $250.00
All other covers NIL EXCESS


Building Insurance
  Cover Includes
  Building
  Fire, explosion, or lightning
  Theft
  Accidental Breakage
  Bursting, leaking, discharging or overflowing of fixed guttering, fixed tanks, fixed pipes
  Flood damage to Contents and more

Building Insurance
  Cover Includes
  Building
  Fire, explosion, or lightning
  Theft
  Accidental Breakage
  Bursting, leaking, discharging or overflowing of fixed guttering, fixed tanks, fixed pipes
  Flood damage to Contents and more

 
Information
 

We offer a range of products designed for domestic rental properties.

TICA Insurance offers Landlord Building Insurance specially designed to cover the owner of a full-time domestic rental.

Special features are:

No unoccupancy clause when the property is being actively managed by a licensed practising property manager (Note: an unoccupancy clause in a domestic house insurance will penalise the owner if the property is left unoccupied for a specified period of time)
Optional excesses. You choose the excess, we don't

Optional Additional Cover (Conditions Apply)

Loss of rent (defined events)
Deliberate damage by tenants
Tentants' default of rent and more
 
Click here to view TICA Insurances Financial Services Guide.
 


Holiday Home Insurance
  Cover Includes
  Loss of Rent
  Strata Title Mortgagee Protection
  Domestic Workers' Compenstation
  Legal Liability
  Deliberate Damage by tenants


Holiday Home Insurance
  Cover Includes
  Loss of Rent
  Strata Title Mortgagee Protection
  Domestic Workers' Compenstation
  Legal Liability
  Deliberate Damage by tenants


 
Information
 
We offer a range of products designed for holiday residences.

TICA Insurance offers Holiday Home Insurance specially designed to cover the owner of:
 
A short-stay holiday home;
A week-ender (not the primary residence)

Special features are:

No unoccupancy clause (Note: an unoccupancy clause in a domestic house insurance will penalise the owner if the property is left unoccupied for a specified period of time)
Optional excesses. You choose the excess, we don't
 
Click here to view TICA Insurances Financial Services Guide.
 


Holiday Unit Insurance
  Cover Includes
  Legal Liability - Up to $20 million
  Loss of Rent - Up to $50,000
  Fire & Explosion - Up to $50,000
  Owner's Contents - Up to $30,000
  Deliberate, Malicious or Intentional Damage by Tenants - Up to $50,000

Holiday Unit Insurance
  Cover Includes
  Legal Liability - Up to $20 million
  Loss of Rent - Up to $50,000
  Fire & Explosion - Up to $50,000
  Owner's Contents - Up to $30,000
  Deliberate, Malicious or Intentional Damage by Tenants - Up to $50,000

 
Information
 
We offer a range of products designed for holiday residencies.

TICA Insurance offers Holiday Unit Insurance designed to cover the unit owner (not the building, resort or complex owner) for their individual risks

The product is available for:
 
Units in a strata complex;
 
Units in a resort complex
 
yes
Houses, where the building insurance is insured elsewhere
 
Click here to view TICA Insurances Financial Services Guide.
 
Holiday Unit Insurance
  Cover Includes
  Legal Liability - Up to $20 million
  Loss of Rent - Up to $50,000
  Fire & Explosion - Up to $50,000
  Owner's Contents - Up to $30,000
  Deliberate, Malicious or Intentional Damage by Tenants - Up to $50,000

 
Price & Excess
 
Yearly Premium Prices
 
NSW $340.00   NT $260.00   SA $230.00
               
ACT $250.00   VIC $220.00   TAS $200.00
               
WA $230.00   QLD $250.00      

Claims are subject to the following excesses:

Loss of Rent NIL EXCESS
Liability NIL EXCESS
Earthquake $200.00
All other covers $100
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All prices shown are in Australian Dollars and include GST.
 
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TICA Insurances Pty Ltd | AR No. 295921