Property Owners
Property insurance starts with how the property is used.
For commercial property owners, residential investors, rooming or boarding house owners and mixed-use property owners, how a property is actually used and occupied shapes what suitable cover looks like.
Situations we commonly see
- Occupancy
- Non-disclosure
- Water damage
- Maintenance
- Loss of rent
- Liability
- Renovations
- Vacancy
- Unusual tenancy arrangements
Insurance areas to consider
Suitability depends on individual circumstances — the categories below are a starting point for a conversation, not a recommendation.
- Commercial property insurance
- Landlord insurance
- Public liability
- Loss of rent
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Frequently asked questions
Why can a lawful use still be declined?
A property's legal use and an insurer's risk appetite are related, but they are not the same decision.
What changes must be disclosed?
Changes to occupancy, use, vacancy or tenancy arrangements can be relevant and generally should be disclosed to the insurer.
Does insurance pay to repair the source of a leak?
This depends on the cause. Gradual deterioration and maintenance issues are often treated differently from sudden, accidental damage.
Information on this website is general in nature and does not take into account your objectives, financial situation or needs. Cover is subject to insurer acceptance, policy terms, conditions, limits and exclusions. You should review the relevant policy documents and seek advice appropriate to your circumstances before making a decision.