How do you best protect a property you own, but don’t live in? Choosing the occupants carefully helps, but even with model tenants, there’s no guarantee they’ll take care of things to the standard you’d like.

As a landlord, you need to reduce your vulnerability to vandalism, malicious damage, and theft. Not to mention lost rental income, should your property become unliveable because of major damage. You also need protection from those unlikely, but still possible, risks like fire, lightning and storm damage, falling trees and other unforeseen catastrophes.

With Queensland Police Credit Union Landlord’s Insurance, you have peace of mind that you’ll be covered if your property is damaged or destroyed by specific events as set out in the policy wording.

Home building and contents core defined events:

• Fire
• Explosion
• Lightning or thunderbolt
• Earthquake & Tsunami
• Theft
• Vandalism
• Water or other liquid
• Collision
• Falling tree, branch or aerial
• Damage by animals
• Riot
• Storm, rain or flash flood
• Accidental Glass Breakage

With QPCU, there are various ways to enjoy substantial discounts on your premium.

The more secure your property is – through standard door locks and deadlocks, window locks, and either local or monitored alarms – the less you pay.

If you don’t claim, you will be rewarded, with a discount of up to 30% applying if there are no claims in the past 3 years.

Your excess is the initial amount you have to pay yourself if you make a claim, and we offer options of $100, $300 and $500. The higher the excess you choose, the lower the premium you’ll pay.

The convenience of having Home Insurance under the same roof as your financial services isn’t the only way we make life easier. From making your application to making a claim, QPCU ensures things are as straightforward as possible.

You can apply online, by phone, or at any branch. Flexible payment options include fortnightly, monthly or annual direct debit, and cash, cheque or credit card payments (excluding American Express and Diners).

If you do need to make a claim, we won’t make you wade through paperwork. We have a 24-hour emergency claims number, and in most cases, you need to just provide details over the phone.

QPCU acts as an agent for QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 who provide general insurance products. Terms, conditions and acceptance criteria apply. Cover limits apply as set out in the policy wording. This material does not take into account your personal needs, objectives or financial circumstances and you should consider whether it is appropriate for you. Please read the Product Disclosure Statement available at Queensland Police Credit Union to decide if a policy is right for you.