Loss of rent cover may apply if your rental property becomes unliveable due to loss or damage caused by an insured event and a claim has been accepted.
For building cover, loss of rent may apply where the building is insured under the policy.
For contents-only cover, loss of rent is only available where you are a strata lot owner with contents cover only.
Rent Default by Tenant is different and is only available as an optional cover for eligible formal lease arrangements.