Rental Insurance Eligibility Requirements

A written, legally enforceable lease should identify the landlord, tenant, property, rent, payment date, deposit, term and breach process. Informal arrangements may not qualify.

Consent-based identity, affordability, credit, employment and reference checks may be required. Keep the result and supporting evidence with the tenancy file.

Disclose missed payments, payment plans, breach notices and disputes. Cover is generally intended for future uncertain events, not a loss already known when applying.

Both may be considered, but an existing tenant normally requires a current payment history and a compliant lease. Never hide arrears by describing an existing tenancy as new.

Acceptance depends on the current underwriting rules.

• Residential or accepted commercial use
• Property located within the covered territory
• Rent within stated minimum and maximum limits
• No undisclosed vacancy or prohibited use

Prepare clear, current copies.

• Signed lease and addenda
• Tenant application and vetting consent
• Identity and contact details
• Proof of income or affordability documents
• Rental ledger or bank evidence for an existing tenant
• Property and landlord details

Cover begins only on the effective date confirmed in the policy schedule, after any conditions or waiting period. A quote, application or premium illustration is not proof that cover is active.