You’ll be covered up to $25,000 for one event including theft and damages caused by tenants. If there are malicious damages, your house will be covered up to the sum insured.
You need to declare all contents you want to be covered, especially high value items like jewelry and collector artworks. Some items like laptops are automatically covered. However, you need to specify others that were not included in the Home and Contents policy.
When your policy includes damages caused by tenants, you don’t have to hold your tenant accountable especially when the damages are due to accidents. You can also only hold tenants accountable on specific circumstances, according to the Residential Tenancies Amendment Act 2019.
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