For Landlords If you are a landlord, your home also includes your:
• fixtures and fittings,
• floor coverings and carpets,
• blinds and curtains.
The insurance for a ‘landlord’ is very limited and with the exclusion…
You are not covered for:
Any loss or damage covered by an included benefit, including ‘Accidental damage, malicious damage or theft by a tenant’.
Cover only appears to be for insured events only, and not for typical landlord type claims.
Edit…looking further the policy is basic coverage for a dwelling that is rented in the long term (as short term or holiday rentals are significant policy exclusions) rather than landlord insurance per se. Any damage associated with its renting is excluded, and only events removed from the renting of the dwelling is covered (the insured events). It can only be assumed that say a tenant causes an accidental fire, the owner won’t have insurance under the RACQ policy for the damage. Definitely a policy to avoid if one has a dwelling and it is rented, thinking it is landlord insurance or covers activities of the tenants. It would require specific landlord insurance to also be taken.