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Loss of Rent Cover for Landlords
Loss of rent cover (sometimes called rental default or loss of rental income cover) compensates landlords for lost rental income while a property is uninhabitable due to an insured event, such as fire or storm damage.
How Loss of Rent Cover Works
Most landlord insurance policies include loss of rent cover, but typically with a maximum claim period (often 12-52 weeks) and sometimes a dollar limit. It's separate from rent default cover, which protects against tenants simply not paying rent.
What You'll Need to Claim
- Evidence of the rental amount (lease agreement)
- Confirmation the property is genuinely uninhabitable due to the insured event
- Documentation of the repair timeline
Estimates only. Always check your specific policy's loss of rent limits and conditions in your Product Disclosure Statement.