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Coles Landlord Insurance

Coles Landlord Insurance offers you various types of insurance cover for your rental property. Insure only the building, or solely the contents, or take out a combined buildings and contents policy.

Tailor your cover by adding optional extras to your policy such as damage caused by tenants or loss of rent.

Cover Building Contents
Fire, flood, storm, lightning Included
 Included
Accidental glass breakage Included
 Included
Theft, attempted theft (excludes by tenant)
 Included
 Included
Earthquake, impact
 Included
 Included
Bursting, leaking, discharging, overflowing of water or liquid
 Included
 Included
Vandalism, malicious acts (excludes by tenant)
 Included
 Included
Explosion, riots, civil commotion Included
 Included
Removal of debris Included
 Included
Professional fees e.g. conveyancer, architect Included
 Not Included
Keys and lock replacement Included
 Not Included
Legal liability cover Included
 Included
OPTIONAL: Cover for damage caused by tenants (includes theft by tenant)
 Optional Optional
OPTIONAL: Cover for tenant’s rent default Optional Optional
OPTIONAL: Cover for loss of rent Optional Optional
OPTIONAL: Motor burn out cover Optional Optional

* This is a summary of the Coles Landlord Insurance policy. Like any insurance policy, there are important conditions on these features. For full details, read the Product Disclosure Statement.

Buildings cover
Not Included Legal liability cover in connection with you owning your contents
Not Included Holiday rental properties
Not Included Short term rental properties
Contents cover
Not Included Professional fees
Not Included Keys and lock replacement
Not Included Legal liability cover in connection with you owning your building

* This is a summary of the Coles Landlord Insurance policy. Like any insurance policy, there are important conditions on these features. For full details, read the Product Disclosure Statement.

Buildings
Optional Damage caused by tenants cover
Optional Tenant’s rent default cover
Optional Cover for loss of rent
Optional Motor burn out
Contents
Optional Damage caused by tenants cover
Optional Tenant’s rent default cover
Optional Cover for loss of rent
Optional Motor burn out
  Tenant rent default
This is optional cover in case your tenant vacates without notice, defaults in paying rent owed to you under the terms of the lease or is legally evicted from your property for non-payment or other breach of the lease. If you choose this optional extra, Coles Landlord Insurance can cover you for a maximum of 10 weeks rent or up to $5,000 in total. Exclusions and an excess apply. See the Product Disclosure Statement for full details.
  Legal liability cover
Legal liability cover insures you against the costs of paying compensation for death or injury to other people, or for loss or damage to their property. Coles Landlord Insurance covers you for up to $20 million in relation to a single incident. See the Product Disclosure Statement  for full details.
  Damage caused by tenants
This is optional cover in case your tenant causes damage to your property. If you choose this optional extra, we will cover you for loss or damage to your building (and/or contents whilst at the site) arising from a deliberate or intentional act by a tenant. Exclusions and an excess apply. See the Product Disclosure Statement for full details.
  Loss of rent
This is optional cover in case your property becomes uninhabitable or inaccessible and you cannot rent it out. If you choose this optional extra, we will cover you for up to a maximum of 12 months in lost rental income. Exclusions and an excess applies. See the Product Disclosure Statement for full details.
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Features of Coles Landlord Insurance

The Coles Difference

You can have confidence that a Coles Landlord Insurance policy gives you the features you'd expect at a great price.

Terms & conditions

* Online discount is calculated on and applied to your Coles Insurance premium before the application of any other discount. This discount offer may be withdrawn at any time. Full terms and conditions .

1 2,000 flybuys points are required to redeem $10 off at the checkout each time. Excludes Coles Express, Coles Local and Coles online. Minimum spend is $10.05 after savings and discounts in one transaction at Coles Supermarkets (excluding smoking/tobacco related product purchases and all gift cards).

2 flybuys members collect 1 flybuys point for every dollar spent at Coles Supermarkets whenever they scan their flybuys card. flybuys members with Coles Insurance policies collect +1 extra point on each dollar spent at Coles Supermarkets for each policy whenever they scan their flybuys card. Maximum 1,000 extra points per policy per month. flybuys extra points are collected from the date your flybuys membership is linked to your Coles Insurance policy and for the term of the policy. No extra points collected on any third party car insurance policies. No flybuys extra points will be collected for the month in which your policy terminates. Standard flybuys Terms and Conditions apply. flybuys extra points are collected on transaction balance after savings and discounts excluding gift cards, iTunes cards, tobacco and tobacco related purchases. Coles Supermarkets means Coles Supermarkets and Coles online only.

Standard underwriting criteria apply. Coles Supermarkets Australia Pty Ltd (Coles) is an authorised representative of the issuer, Insurance Australia Limited (ABN 11 000 016 722 AFSL 227681) and receives a commission for each policy sold and renewed. Any advice provided is of a general nature only and does not take into consideration your objectives, financial situation or needs. Before acting on any advice you should consider its appropriateness. You should read the Product Disclosure Statement before deciding whether to acquire an insurance policy.