The Landlord’s Plus Cover policy by Tower Limited offers extensive house insurance for landlords, covering natural hazards, deliberate damage, demand surge, fire, hidden water damage, and loss of rent. It includes minor alterations, whiteware, window coverings, landscaping, and liability. Exclusions and landlord obligations are specified, with limited coverage for unoccupied houses. The policy, governed by New Zealand law, uses plain language for clarity and includes a comparison table for easy understanding. It guides on claims, policy changes, and concerns, with a glossary for special terms. Coverage options are detailed, with maximum limits for liability protection, bodily injury, and property-related protections. Specific benefits for landlords include loss of rent and methamphetamine decontamination. The document stresses reviewing policy wording and certificate of insurance for details, exclusions, and responsibilities. It outlines the claims process, emphasizing safety, documentation, and communication with Tower Limited. Landlord obligations include tenant selection and record-keeping. The text also covers tenancy agreements, property inspections, and compliance with the Residential Tenancies Act 1986.