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How does Covid-19 affect my insurance cover?

Covid-19 only affects certain aspects of landlord insurance policies:

  • Inspections.  While in Alert Level 3 & 4 landlords can defer property inspections without compromising cover.  During Alert Level 1 & 2, property inspections can resume as normal.
  • Loss of rent.  Existing policies have an extension of cover for prevention of access caused by the Government lockdown, and the cover applies if a landlord had a tenant signed up to move into the property and start paying rent but could not due to the lockdown.  Loss of rent cover from non-payment is not available for new policies while New Zealand remains in Alert.

See our Covid-19 response page for more information.

Learn more about landlord insurance.