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Frequently asked questions about Landlord Insurance
Yes, you can. To manage your policy – including changing your address – please visit My Suncorp on mobile, login on your computer or tablet.
No, there is no legal requirement for you to have Landlord Insurance. However, if you take out a loan to pay for your investment property, taking out Landlord Insurance may be a requirement of that loan.
While Home and Landlord Insurance may sound like the same thing, they are classed differently because, as a landlord, you receive an income through rent.
Your Home Insurance may not cover you if the property is let out to tenants.
You should consult your PDS to confirm that you know exactly what you’re covered for. Please contact us if you’re unsure.
Yes, the cover is no longer valid when the landlord takes up permanent residence at the insured property. The landlord or property manager should advise us if this occurs.
We’re sorry you're thinking of cancelling! You can cancel your landlord insurance in your My Suncorp or via the Suncorp App. If you haven't registered yet, it's easy to get started.
To cancel other policy types please give us a call on 13 11 55.
No, however you may be required to provide the written rental agreement if you lodge a claim. If you can’t present this evidence, we will review the information you have provided when assessing your claim.
Yes, you can get a Landlord Insurance policy regardless of whether you manage your investment property yourself.
Cover can be started at any time but cannot be backdated. If you have just purchased a property, the best time to start is straight away – especially if the property is vacant and being advertised for rent.
As a landlord, you have a liability exposure from the moment you or your agent begins showing potential tenants through the property.
When your claim for loss or damage to the property is covered, we’ll offer to have a builder from our network complete the repair/rebuild, or the choice of a cash settlement.
Assuming the items are damaged in an insured event and are included in your coverage, they’ll be repaired or replaced. We’ll replace your items via our supplier network, based on what’s currently available in the market, provided we have necessary evidence to confirm the damage or loss. We’ll replace the item with one of the same type, standard, and specification, but not necessarily the same brand or model.
If an item can be repaired and doing so will restore the item to the same condition it was in before the insured event, we will proceed with this option if you agree. If repair is not suitable, you have the option to accept a replacement from our supplier network or be paid the value of the replacement item we have sourced.
If we’re unable to replace your item, we’ll request a quote from you for one that’s similar to what you previously had, or settle based on the limit on your policy.
After the numerous flooding events throughout the country in recent years, it is important that we provide our customers with flood cover even if it is unlikely a flood will occur at their address.
