Insurance for landlords, made simple.

Landlord cover protects a property you rent out. With Cove it is the Landlord's extension added to your house insurance policy, giving you cover for the risks that come with tenants on top of standard cover for the building itself. It applies to tenanted properties and is shown on your schedule.

On top of your standard house cover, the Landlord's extension adds four key things: loss of rent if your property becomes uninhabitable, malicious damage and theft by tenants or their guests, landlord's furnishings such as the appliances you provide, and landlord's liability under the Health and Safety at Work Act 2015.

Standard house insurance covers the building for events like fire, storms and natural hazards. Landlord cover adds protection for the extra risks of renting, such as lost rent, deliberate tenant damage, and your liability as a landlord. With Cove it is an extension you add to your house policy for a tenanted property.

Yes. If your property becomes uninhabitable because of a loss the policy covers, we pay lost rent up to the higher of $40,000 per dwelling unit or the amount on your schedule, for up to 12 months. There is also cover of up to 8 or 12 weeks' rent, depending on why they stopped paying, if tenants stop paying rent or leave without the required notice.

Deliberate or malicious damage and theft by your tenants or their guests is covered up to $30,000 per event under the Landlord's extension. That limit does not apply to fire or explosion caused by deliberate damage. Everyday wear and tear is not covered, as that is part of normal renting.

Yes. Landlord's furnishings cover pays the indemnity value of items you provide that are not wired in, such as the stove, fridge, dishwasher, washing machine, dryer and built-in microwave, up to the higher of $20,000 per dwelling unit or your scheduled amount.

No. Your landlord cover looks after the building, your liability and the furnishings you provide. Your tenants' own belongings are their responsibility, and they can protect them with their own contents insurance.

If you rent out your property, standard house insurance alone does not cover risks like lost rent or deliberate tenant damage. With Cove you add the Landlord's extension to your house policy for a tenanted property, so you are covered for both the building and the risks that come with tenants.

There is no single price, because it depends on things like where the property is, its rebuild cost, and the excess you choose. Landlord cover at Cove is added to your house policy for an extra premium. The quickest way to find your price is to get a quote online, which only takes a few minutes.

Insurance on a rental property, including the Landlord's extension, is generally a deductible expense against your rental income in New Zealand, unlike insurance on your own home. Tax depends on your situation, so check with your accountant or Inland Revenue to be sure.

Enter the property address and a few details online, and you can get a quote in about five minutes. You buy your house policy with the Landlord's extension online, and choose to start cover immediately or from a date that suits you.

For most standard rental properties you can get covered straight away, fully online.