What you need to know:

1 | CGU cover either the weekly rent listed on your Certificate of Insurance, or the weekly rent in your rental agreement, whichever is less. A valid rental agreement is required.
2 | Under a Landlord ‘Contents’ policy, your furniture and furnishings are covered up to the contents insured amount. Under a Landlord ‘Building’ policy, if your property isn’t under a strata or similar scheme your furniture and furnishings are covered to up to 10% of the buildings insured amount.
3 | If theft or vandalism by tenant, CGU will deduct from your claim four times the weekly rent amount shown on your rental agreement, in addition to the standard excess. A valid rental agreement is required. No excess is payable for a claim made only under the ‘Replacement of keys and locks’ additional benefit.
4 | CGU doesn’t cover actions of the sea, such as tides and waves.
5 | CGU doesn’t cover damage caused by water leaking or escaping from a shower recess or shower base. CGU doesn't cover loss from erosion or other earth movements. CGU doesn't cover the costs to repair or replace the item that the liquid leaked or escaped from.

Excesses may apply. Refer to your Certificate of Insurance. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement.

The information on this website is general advice only and does not take into account your individual objectives, financial situation or needs ("your personal circumstances"). Before using this advice to decide whether to purchase a product, you should consider your personal circumstances and the relevant Product Disclosure Statement. The Product Disclosure Statement and Target Market Determinations are available for reference. The Premium, Excess and Discounts Guide is available for reference here.