Protection for your investment property made easy

Fire Service Credit Union gives you the confidence of having insurance protection for your investment property and its contents.

Why choose landlord insurance through Fire Service Credit Union underwritten by Allianz?

Landlord insurance benefits

  •  Up to 30% No Claim Bonus*+
  • Optional additional cover for Rent Default and Theft by Tenant
  • Pay by the month at no extra cost#
  • Cover against malicious damage by your tenants
  • Choose an excess level and payment option to suit your budget.~
  • Get liability protection up to $10 million.

Insurance Features Comparison Table

  Building Contents
     
Insured Events
Accidental breakage of glass          
Earthquake          
Explosion          
Fire or smoke          
Flood cover1 Optional, subject to eligibility Optional, subject to eligibility
Impact damage          
Lightning or thunderbolt          
Riot or civil commotion          
Storm, rainwater or run-off          
Theft, burglary or housebreaking          
Tsunami          
Water or other liquid damage          
Additional benefits    
Automatic indexation of sums insured          
Contents in open air at the risk address -     
Continuation of cover when you are selling your buildings      -
Fusion          
Landlord’s contents (automatic cover for up to $10,000 contents when you take buildings cover only)      -
Legal liability - cover for injury to other   people or their property      -
Mortgage discharge costs      -
Reinstatement of sum insured after a loss          
Removal of debris, professional rebuilding fees and extra costs of complying with building regulations          
Rental costs after an insured event      Available under contents cover only when the building is part of a strata title development
Replacement of locks or cylinders          
Optional additional cover    
Rent default and theft by tenant    
Landlord Workers’ Compensation2    

Fire Service Credit Union ABN 187 087 651 152 AFSL 237 515 arranges this insurance as agent of the insurer Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850 AFSL 234708. We do not provide advice on the ‎insurance based on any consideration of your objectives, financial situation or needs. Before making a decision please consider the relevant product Disclosure Statements available from Fire Service Credit Union by calling 08 8227 222, visiting your local branch or fscu.com.au.Policy terms, conditions, limits, exclusions and eligibility criteria apply.If you purchase this insurance, we will receive a commission that is a percentage of the ‎premium. Ask us for more details before we provide you with any services on this product.

Minimum premiums may apply. Any discounts/entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached.  If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements.  discounts may not be applied to any flood component of the premium (if applicable). 

To qualify for the maximum No Claim Bonus of 30%, customers must have had no landlord insurance claims in the preceding three years.  However, customers who have had up to two claims may still qualify for reduced No Claim Bonus.

Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.

Excess choice may not be available where an excess higher than the standard excess has been imposed.

1 Flood cover is available for eligible property addresses.  Flood Cover is an option on both Building and Contents in home and landlords insurance policies.  The cover is designed to protect customers against damage to their building and/or contents in the event of a Flood up to the value of their sum insured. 

2 Landlord Workers' Compensation is only available in ACT, TAS and WA.