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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. 

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Free Safety Net Protection

Quote and purchase online from 16 Oct 2020 - 5 Aug 2021. Not available with any other offers. Free for first period of insurance. T&C's apply

 Extra cover to help you rebuild.

If your home is damaged in an insured event, get up to 25% extra cover to ensure you can rebuild with 1 Year Free Safety Net Protection on new Suncorp Classic Home Insurance before 5 Aug.

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.

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.)

Flood*

Fire (including bushfires)

Malicious acts and vandalism

Storm

Theft and burglary

Damage by an animal

Riot, civil commotion or public disturbance

Explosion

Escape of liquid

Lightning

Earthquake and tsunami

Impact

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

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 - We do not provide any cover under the policy for short term, holiday letting or house sharing arrangements. Cover for loss of rent is limited to 2 weeks for a periodic rental agreement. See the PDS for details.

  • 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

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

Enjoy Suncorp Benefits with your policy

Save up to 15% with great deals at over 100 retailers.

Discounts on everyday items

Save on groceries, fuel, entertainment, clothes and more

Savings on bigger purchases

Get great discounts on travel, furniture, electronics and exclusive offers

Instant access to rewards

Simply choose your reward on your phone and use it instantly. 

Learn more

Product Disclosure Statement

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)

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.

Suncorp Home Building Calculator

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.

Suncorp Content Calculator

Frequently Asked Questions

This content applies to policies with a start or renewal date on or after 25 March 2021.

*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.

Free Safety Net Protection

Quote and purchase online from 16 Oct 2020 - 5 Aug 2021. Not available with any other offers. Free for first period of insurance. T&C's apply

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.

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