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Landlord Insurance

We understand that as a landlord, you can be at the mercy of tenants, as well as the elements. 

Rating: 5.0 stars out of 5 stars 5.0 stars out of 5 stars  ( 5.0 out of 5)

We've been protecting Australians in their moments of need for almost 100 years

That's why our 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.

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.

What am I covered for?

Cover Type

Amount

Loss or damage from incidents such as floods*, storms#, fires and theft

Amount nominated by you

Loss of rent if your tenant cannot live at your property due to damage

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Up to 10% of the property sum insured for up to 52 weeks

Up to 10% of the contents sum insured for up to 52 weeks

Loss of rent – tenant default
Note – limits payable will differ depending if you have a written rental agreement or not.

  • Up to 14 weeks loss of rent caused by tenant default, up to $5,000 in total
  • Up to 14 weeks loss of rent if your tenant permanently leaves without notice, up to $5,000 in total

Up to $20 million

Up to $2,500 of your net costs

Optional covers

Cover Type

Amount

As nominated by you

The reasonable cost to repair or replace the motor of household equipment and appliances less than 11 years old^

Up to a further 25% of the property sum insured

Want to know more?

This is just a summary, for full details of what is and isn't covered please refer to the Landlord Insurance Product Disclosure Statement (PDS)

Insured events

No matter what level of cover you choose, we cover these insured events as standard#:

Flood*

Storm

Lightning

Fire

Theft and burglary

Accidental breakage of glass

Malicious acts and vandalism

Damage by an animal

Earthquake and tsunami

Impact

Explosion

Escape of liquid

Riot, civil commotion or public disturbance