Contents insurance
Protection for your furniture, appliances, personal possessions and for legal liability.
01. Consider
Do you have a rental property? If you have ASB Home Insurance, you can add ASB Landlord’s Protection to you policy.
Benefits at a glance
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Protection against loss or damage to contents you've left at the rental property for your tenants to use, up to $10,000
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Provides extended cover for hidden gradual damage to your rental property of up to $3,000 per annum
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Covers intentional damage to your property caused by your tenant, up to $25,000
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Insures against loss of rent in a number of situations, including should your tenant vacate without notice, or if you have to evict them
Is ASB Landlord's Protection right for you?
ASB Landlord's Protection is an optional benefit available as part of ASB Home Insurance. It’s designed for the events landlords worry about.
Take a look in detail at the additional cover it offers on your rental property, over and above the home insurance you already have, and see if it makes sense to add landlord protection for your rental property.
ASB Landlord's Protection includes:
- Loss of or damage to landlord’s contents kept at the property for use by tenants – up to $10,000. This includes fixtures and fittings, (such as drapes and light fittings), and household goods (such as a washing machine).
- Hidden gradual damage to the rental property – up to $3,000 per annum.
- Intentional acts of damage by tenants or their guests – up to $25,000 (includes up to $10,000 for landlord’s contents)
- Legal liability to cover accidental loss to someone else's property caused by landlord’s contents
- Loss of rent due to:
- an intentional act by the tenant or their guest – up to 52 weeks’ rent (maximum $20,000)
- tenant eviction for not paying rent – up to 12 weeks’ rent (maximum $20,000)
- tenant vacating the property without notice – up to 6 weeks' rent (maximum 20,000)
- tenant legally not paying pay rent due to prevention of access or failure of public utilities - up to 6 weeks’ rent (maximum $20,000)
- an intentional act by the tenant or their guest – up to 52 weeks’ rent (maximum $20,000)
Getting enough cover
ASB Home Insurance with Landlord’s Protection is based on a 'sum insured' amount, which is the estimated cost for a total rebuild of your home, including things like the cost of debris removal, special features and GST.
Benefit from multiple discounts
There are a number of discounts you could be eligible for on your ASB Home Insurance:
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Up to 40% annual claim-free discount
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Get a package discount when you take out any combination of ASB Home, Contents or Private Motor Vehicle insurance
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Receive a higher discount if you are aged 55 or over
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A discount for a professionally installed burglar alarm
Get started today
02. Accept
If you've decided landlord's protection is right for you, call 0800 200 252 or come into any ASB branch.
03. Update
Tell us if something changes that affects your home insurance.
Let's talk about ASB Landlord's Protection.
Call us
We can help you to arrange your home insurance with Landlord's Protection over the phone.
Visit a branch
Visit us at one of our many branches across New Zealand to get your insurance sorted.
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Home and contents insurance
Your house and belongings can have significant financial value so it’s wise to protect them against things like accidental damage, fire and theft with ASB home and contents insurance policies.
We're here to help you
Frequently asked questions
Manage your insurance
The availability of insurance cover is subject to your application being approved. Terms, conditions and exclusions apply. For full details, refer to the Policy Document which is available from ASB Bank Limited. The insurance premium discount does not apply to GST, government levies and optional extensions. This insurance is underwritten by IAG New Zealand Limited (IAG). See further details about IAG’s financial strength rating.
