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Land cover

Land damage is considered separately from building damage and explained on this page.

For landslip damage, your building is generally insured by EQC up to the maximum explained in the EQCover costs and maximum cover section.

EQCover for land is limited to land that is within your property boundary – and includes:

  • the land under your home and outbuildings (e.g. shed or garage)
  • the land within eight metres of your home and outbuildings
  • the land under or supporting your main accessway, up to 60 metres from your home (but not the driveway surfacing).

EQCover also provides some cover for:

  • bridges and culverts within the above areas
  • some retaining walls that are necessary to support or protect the home, outbuildings or insured land.
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What items on the land are covered

An infographic to help you find out more about land cover.

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Landscaping

Certain items on the land, such as trees, plants, lawn and driveways, aren’t covered. However, we do cover the removal of debris from your insured land, such as fallen trees.

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How much can be paid out?

EQC will pay the cost to repair the damaged land or the value of the land.

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EQCover pays the lesser of either:

  • the cost to repair the damaged land, or
  • the value of the damaged land, or the value of 4,000m2, or the value of the minimum-sized building site allowed in the area in which you live – whichever is the lower.

Bridges, culverts, and retaining walls that support the home or insured land are covered by EQCover for indemnity value. This means the valuation takes into account their age and state of repair.

Excess

The excess for a land claim is 10% of the amount payable for the land claim, but with:

  • a minimum of $500 for each home in the building on which the land is situated, and
  • a maximum of $5,000.

Private insurance cover

In general, private insurers don't cover land damage.

However, your private insurer may cover some items that aren’t covered by EQCover. For example, some private insurers offer limited cover for driveway resurfacing and repairs to landscaping or gardens.

Check your policy or contact your private insurance company for more information.

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