The content on this page applies to policies started or renewed on or after 24 May 2025.
Suncorp Landlord Insurance covers you for loss or damage to your investment property, with automatic inclusions for flood#, storms#, fires and theft as well as specific cover for incidents such as loss of rent due to tenant default.
We cover these events as standard. (We do not insure for bushfire, storm, storm surge, flood or tsunami in the first 72 hours of your policy. Very limited exceptions apply. Read the PDS for more details.)
Fire
Loss or damage caused by fire (includes bushfire) and heat, ash, soot and smoke that is a direct result of a fire within 100 metres of the insured address.
It doesn’t include arcing, scorching, melting, or cigarette burns unless a fire spreads from the initial burn spot. Other exclusions apply – see the PDS for further details.
If there is a bushfire in your area (even if there is no actual physical loss or damage to the property or contents), we also cover the cost of replacing water in any tank, container, pool, spa and any other storage vessel where the water has either been used to limit the spread of bushfire in your area or become contaminated due to the use of fire retardant at the insured address. The most we will pay for these extra costs is $1,000 per incident.
Malicious act
Malicious acts and vandalism includes things like vandals damaging your letterbox or painting graffiti on your property.
See the PDS for full details.
Escape of liquid
This covers sudden and unexpected loss or damage caused by liquid escaping from certain items including your fridge, washing machine, bath (but not shower), toilet, fixed pipes (except agricultural pipes), swimming pool, water main, fixed cooling system or an aquarium. We also cover loss or damage, caused by liquid escaping from these items, that has occurred gradually when the loss or damage that was occurring wasn’t easily visible to a reasonable person in the circumstances. Exclusions apply, please see the PDS for more details.
What does Landlord Insurance cover?
You can choose to cover your property, your contents, or both, as well select optional covers such as motor burnout or accidental damage at the property for an additional premium.
Cover Type
Amount
Optional covers
Suncorp Home Insurance Calculators
Home Building Calculator
This calculator has some questions included that you may not find in other calculators, which will impact the estimate that is calculated.
HOME BUILDING CALCULATOR
Estimate the cost to rebuild
This calculator can help you work out the estimated rebuild cost of your home to help you choose your sum insured.
CONTENTS CALCULATOR
Estimate your contents coverage
Estimate the replacement costs of your home's contents to help determine how much contents cover you may need.
Frequently Asked Questions
What is legal liability cover?
We cover your legal liability to pay compensation for death of or bodily injury to other people, or loss or damage to their property, resulting from an incident in certain situations which happens during the period of insurance.
The most we’ll pay for all claims arising from one incident for legal liability covered by your policy is $20 million, including all associated legal costs.
Please see the relevant PDS for full details.
Each of Suncorp's insurance products utilise a five-stage product lifecycle (Design, Delivery, Review, Enhance/Modify and Decommission). This approach allows us to put you, the customer, at the centre of our product development and distribution.
+ Any subsequent discounts are applied to the already discounted premium, before government taxes and charges.
* Actions or movements of the sea and storm surge are not covered (unless the storm surge damage occurs at the same time as other insured damage caused by storm). We don't cover retaining walls or flood damage to wharves, jetties, pontoons. See PDS for further exclusions.
# We do not insure for bushfire, storm, storm surge, flood or tsunami in the first 72 hours of your policy. Very limited exceptions apply. Read the PDS for more details.
^ Conditions apply. See the Product Disclosure Statement for more information.
Home Building Calculator
This calculator has some questions included that you may not find in other calculators, which will impact the estimate that is calculated.
Tenant default
We do not cover loss of rent if:
- You do not have a rental agreement in place
- The rent was in arrears when you took out this policy
Please note, we do not pay the first 4 weeks of any unpaid rent. The most we will pay under this cover is 14 weeks lost rent if you have a written rental agreement, to a maximum of $5,000. For full details of this cover please refer to the PDS.
Flood
Flood means the covering of normally dry land by water that has escaped or been released from the normal confines of things like a lake, river, reservoir, canal or other natural watercourse.
Actions or movements of the sea or storm surge are not covered. Some things we don't cover are damage to retaining walls, jetties, pontoons and garden borders.
Storm
Storm means a storm, cyclone or severe atmospheric disturbance. It can be accompanied by strong winds, rain, lightning, hail, snow, or dust.
It includes loss or damage caused by a landslide or subsidence within 72 hours of, and directly because of, a storm and not because of erosion, structural fault or design fault.
Riot and civil commotion
An example of a riot, civil commotion or public disturbance event would be damage caused by a violent crowd moving down your street.
It doesn't cover loss or damage caused by someone who had consent to enter the insured address and doesn't cover loss or damage if anyone living at the insured address participated in the disturbance.
Lightning
Lightning, including power surges caused by lightning, will be covered providing a qualified repairer gives written confirmation to show lightning as the cause of loss or damage and the Australian Government Bureau of Meteorology has a record of lightning in the area.
Fire
Loss or damage caused by fire (includes bushfire) and heat, ash, soot and smoke that is a direct result of a fire within 100 metres of the insured address.
It doesn’t include arcing, scorching, melting, or cigarette burns unless a fire spreads from the initial burn spot. Other exclusions apply – see the PDS for further details.
If there is a bushfire in your area during the period of insurance, we also cover the cost of replacing water in any tank, container, pool, spa and any other storage vessel where the water has either been used to limit the spread of bushfire in your area or become contaminated due to the use of fire retardant at the insured address (even if there is no actual physical loss or damage to the home and contents). The most we will pay is $1,000 for any one incident.
Theft and burglary
Theft or burglary occurs when someone enters the insured address without your consent and steals or intends to steal items.
We don't cover loss or damage caused by thieves or burglars entering the insured address from common property without signs of forced entry, or loss or damage caused by anyone living at the address.
Explosion
We cover loss or damage caused by an explosion but we don't cover the cost of repairing or replacing the container or tank that exploded.
Earthquake and tsunami
We cover damage that occurs within the first 72 hours following an earthquake or tsunami.
This includes cover for damage caused by a landslide or subsidence within 72 hours of, and directly because of, an earthquake or tsunami. It doesn't cover damage caused by erosion over time or a structural or design fault.
Malicious acts
Malicious acts and vandalism includes things like vandals damaging your letterbox or painting graffiti on your home.
It doesn't include damage caused by someone who lives or is staying at the insured address or who entered the insured address with your consent.
Damage by animal
This covers loss or damage caused by an animal that becomes accidentally trapped inside your home.
We don't cover damage caused by any animal you own or are responsible for, or has been allowed onto the insured address, or damage caused by insects, vermin or rodents (unless the damage they caused is covered under fire or escape of liquid).
Impact
Impact covers damage caused by impact from things like a falling tree, power poles, tv antennas, aircrafts, motor vehicles and even space debris.
It doesn't include damage caused by trees being lopped, felled or transplanted by you or for you.
Escape of liquid
This covers sudden and unexpected loss or damage caused by liquid escaping from certain items including your fridge, washing machine, bath (but not shower), toilet, fixed pipes (except agricultural pipes), swimming pool, water main, fixed cooling system or an aquarium. We also cover loss or damage, caused by liquid escaping from these items, that has occurred gradually when the loss or damage that was occurring wasn’t easily visible to a reasonable person in the circumstances. Exclusions apply, please see the PDS for more details.
Malicious act
Malicious acts and vandalism includes things like vandals damaging your letterbox or painting graffiti on your property.
See the PDS for full details.
Fire
Loss or damage caused by fire (includes bushfire) and heat, ash, soot and smoke that is a direct result of a fire within 100 metres of the insured address.
It doesn’t include arcing, scorching, melting, or cigarette burns unless a fire spreads from the initial burn spot. Other exclusions apply – see the PDS for further details.
If there is a bushfire in your area (even if there is no actual physical loss or damage to the property or contents), we also cover the cost of replacing water in any tank, container, pool, spa and any other storage vessel where the water has either been used to limit the spread of bushfire in your area or become contaminated due to the use of fire retardant at the insured address. The most we will pay for these extra costs is $1,000 per incident.
Escape of liquid
This covers sudden and unexpected loss or damage caused by liquid escaping from certain items including your fridge, washing machine, bath (but not shower), toilet, fixed pipes (except agricultural pipes), swimming pool, water main, fixed cooling system or an aquarium. We also cover loss or damage, caused by liquid escaping from these items, that has occurred gradually when the loss or damage that was occurring wasn’t easily visible to a reasonable person in the circumstances. Exclusions apply, please see the PDS for more details.