房东保险landlord insurance赔付各公司不同
大部分保险公司已经停办房东险或者取消其中的租金损失这一选项
Home insurance里的landlord insurance, 要loss of rent 选项，大部分公司是要额外加这个选项并付extra的
在疫情下他们会不会赔付又如何赔付呢？需要读保险细则来确认赔付的条件，期限及金额。
请大家联系各自的保险公司确认后来反馈一下。
EBM 房东险关于 Covid-19 epidemic 说明
如果你的房客感染了新冠病毒无法工作并无法付房租，损失不赔
If my tenant gets Coronavirus and can’t work or pay rent, am I covered?
If a tenant tests positive for Coronavirus, is unable to work for a period of weeks, and falls behind in rental payments, the losses are unlikely to be covered under EBM RentCover policies. However, remember that the amount of weeks they are likely to be unable to pay rent is low. According to the World Health Organisation, people with mild illness recover in about two weeks, or six weeks in more severe cases. That is two weeks (or a maximum of six weeks) of lost rent which the tenant may be able to catch up on with encouragement and support from the landlord or property manager.
"Allianz has resumed sales of new landlord products but these no longer come with a rent default option, and the change will apply to renewals from May 1, a spokesman told insuranceNEWS.com.au."
Allianz房东险即使你之前有rent default选项，从今年5月1日起续保时将去掉这个选项。（请大家自行联系Allianz证实）
Westpac 必须租客走了，房子空了才有可能理赔，当然你要按保险公司规定的程序做了相应的工作。
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CBA的房东保险条款是
What is not covered:
If you do not make reasonable attempts to re-tenant/re-let your insured address
显然在目前的情况下你无法make attempts...
这个需要联系cba问明情况
CBA于上周五取消了输loss or rent 业务选项，感觉有可能CBA是能赔付的
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我家也是westpac保险，16年开始买的，里面也是这样说，得空了才能申请。一共就赔10周，然后还得交access1千
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racv是赔上限5000，然后房东得出500access+300+4周租金（bond）
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所以westpac并没有停止办这个租金损失的policy update，
因为现在的问题肯定不是空掉，而是租客不付或少付房租并且不会搬走。
现在还有哪个保险公司没有停止loss of rent的业务而且能够真正赔付的？
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还有上限5000呀，那除非你是刚加的这项选择，不然因为这个选项你几年支付的extra都超过5000了。
大部分保险都有13-16周甚至52周，但不知道具体规则是什么。
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所以westpac按目前情况看是不赔的，条件不符合
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racv可能赔，因为没说租客得搬走，就是钱比较少
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絕大部分的保險公司都說明必須要租客離開房子之後才會作出賠償
這個條款和今次的疫情沒有任何關係
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如此说来，买与不买并没有太大区别，
有没有哪个保险公司的房东险是能真正cover这个损失的？
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claim 一次之后可能将来的保险金要涨很多并且很难换到别的公司？
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不会的，同一家保险公司可以重新买，价格差不了多少。如果不重新买，第二年会涨价。我claim过
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在什么时间段重新买呀，
您claim的是房租损失吗？
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renew前重新买，银行的工作人员教我的。我是claim其他方面的
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这个不会，跟车子保险不一样。
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学习了，我还以为claim一次就得涨，所以嫌麻烦从来没有claim过。
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我那次是属于不得不claim的，费用太高了
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AAMI赔6千，不需要租客搬出去。
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这也不错了，估计要个500的excess fee，
相当于2000一个月的话赔3个月
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但是这个要买tenant protection才赔，而且aami现在新的保险不给买这个protection了
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目前已经买不了landlord insurance了
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CBA必须租客停止交租四周以后，才可能陪附。
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每一个地产中介都有自己合作的保险公司
这些保险公司申报起来比较容易 而且每个地产中介都有自己的case manager
12000的租金损失 或者 18个星期租金损失
一年大概就是300+gst的费用
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ebm怎么样
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你有没有细问如何操作，
有可能赔付的步聚是什么，
按他说的是要先要求空房，目前按政府规定无法要求的，CBA还赔不赔。
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听说很好，现在应该也不能保loss of rent了吧
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my racv is 10000, deduct 4 weeks (because of the average of bond) and excess
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很幸福了，他们明确答复了您目前coronavirus的情况下房客不交租并不搬走也不能让房客搬走的情况下能申请吗？
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我的是公寓，可能便宜些？
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EBM的网页看下，估计其它公司也类似吧
https://www.rentcover.com.au/info-centre/coronavirus-faqs
COVID-19 update: FAQs and the impact on landlord insurance
If the government moves forward with its proposal to ban evictions and freeze rents, how will this impact my cover?
At the moment, regulations and changes are still being discussed. Without knowing all the finer details of the government's proposal, we are unable to tell you how this will impact cover. However, once concrete measures are put in place across the country, we will be ready to evaluate how this will impact cover and will update our clients. In the interest of being open and transparent, we want to tell our clients that: Yes, the changes will somehow impact insurance (big or small - we do not know). And, we will work with our policyholders to understand the situation. Check back here for updates.
网站说政府细节未出，等细节出了才能讨论如何影响，影响是大是小。
This is a time for leniency and we have recognised our tenants need help. Can we avoid sending late notices and change our processes? What is acceptable and will this impact insurance?
We know this is a tough time for everyone and people want to do their part to support one another. So, if landlords want to put measures in place to support a tenant through this difficult time, that is up to them. This is how insurance may impact a couple of scenarios:
Reducing rent: if a landlord agrees to reduce rent, they cannot claim for the difference in payments.
Putting rent on hold: again, if a landlord wants to suspend rent for a couple of weeks while the tenant gets back on their feet, this would not be covered as it is a mutual agreement and not an insured event. However, if the tenant does not catch up on payments, normal protocols should kick in (e.g. breach notices) and then it would fall under loss of rent and the policy would respond.
Not issuing late notices: if this sort of leniency is given to the tenant, it will only be an issue if it comes to a claim relating to termination. If you offer leniency, and then the situation snowballs, the process for eviction will ultimately drag out. If it drags out further than the number of weeks you are insured for, you will see greater losses. Ultimately, it will likely impact denial of access claims and reduce the number of covered week.
如果房东同意减租，不能claim差额
如果房东同意房客暂缓以后再交，不能claim
没发晚交通知，超过了你保的周期，可能会被拒或少claim（这段看的有点晕）
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