Landlord Insurance

Insurance for your rental property to cover theft, vandalism, fire damage and more

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Landlord Insurance

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What's included

For your rental property

Tenant stops paying rent

If your tenant stops paying rent or leaves without giving you notice, we cover the lost rent (up to $5,000)1.

Lost rent during repairs

If your building’s covered and it’s unliveable after a covered event, we pay up to 12 months of lost rent2.

Theft & vandalism

We cover stolen items and damage from theft and vandalism3.

Fire

We cover loss and damage caused by fire (including bushfire).

Flood, rainwater run-off & storm surge cover

We cover loss or damage caused by flood, rainwater run-off and storm surge4.

Furniture & furnishings

We cover loss or damage to furniture, furnishings and carpet in your property5.

Water & oil leaks

We cover damage to your property and items caused by water and oil leaks6, like from a burst pipe or broken heater.

Broken glass

We cover accidentally broken glass and ceramic in some furniture or fixtures.

Impact damage

We pay for damage caused by impacts from things like vehicles and trees7.

Lightning

We cover damage and power surges caused by lightning.

Demolishing & removing debris

If your building’s covered and it’s damaged after a covered event, we pay to demolish and remove debris.

Motor burnout

We cover electric motor fusion, including parts and labour8.

Renovation building materials

If your building’s covered, we pay up to $1,000 for damage from covered events to renovation materials at your rental property.

Liability for injury or damage

We cover your legal liability in some situations if someone’s injured or their property’s damaged9 (up to $20m).

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Not included

There are some things we don’t cover

Plants, trees and shrubs

We don’t cover damage to plants, trees or shrubs growing in the ground.

Animals

We don’t cover vermin, insects, birds or animals that normally live at your property or damage they cause.

Policy booklets

For full details including limits, conditions and exclusions, read these policy documents

Product Disclosure Statement Target Market Determination Premium, Excess & Discounts Guide

Renting your place on Airbnb or Stayz?

Check out Holiday Rental cover

With over 90 years’ experience, we know how to protect the things you care about

Do you know how much it would cost to rebuild your rental property and replace everything in it?

Use our calculators

Our Loyalty Discount could help you save on insurance. Try our calculator to see how much you could save10

Learn about discounts

Log in anytime to make a claim. It’s quick and easy to upload item receipts or photos

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Things you should know

  1. We’ll deduct four times the weekly rental amount from your rent default claim as well as any excess that applies. A valid rental agreement is required. If you took out a new policy from 14 June 2020 to 17 April 2021, your policy will have rent default cover when your policy renews. We will send you your new PDS with your renewal.

  2. Covered under Landlord Buildings Insurance only. A valid rental agreement is required. 

  3. We will deduct from your claim four times the weekly rental amount in addition to any excess that applies. A valid rental agreement is required.

  4. We don’t cover loss from erosion or other earth movements. We don’t cover loss to retaining walls, jetties, structurally unsound gates and fences, gravel driveways, or pool and spa covers. We don’t cover damage from water that enters via tarpaulins and covers while you’re altering your home. We don’t cover actions of the sea, such as tides and waves. If we give you the option to remove cover for flood, rainwater run-off and storm surge and you choose to do so, you won’t be covered for loss or damage to your home caused by flood, rainwater run-off or storm surge.

  5. Under a Landlord Contents policy, your furniture and furnishings are covered up to the contents insured amount. Under a Landlord Buildings policy, if your property isn’t under a strata or similar scheme your furniture and furnishings (not including electrical items like TVs) are covered to up to 10% of the buildings insured amount.

  6. We don’t cover damage caused by water leaking or escaping from a shower recess or shower base. We don’t cover loss from erosion or other earth movements. We don’t cover the costs to repair or replace the item that the water or oil leaked or escaped from.

  7. We don’t cover loss or damage caused by tree cutting, lopping or felling.

  8. We cover motors for up to 15 years after they were made.

  9. We cover your legal liability for death or bodily injury to someone else or loss or damage to someone else’s property.

  10. Any applicable discounts may be subject to minimum premiums. Discounts only apply until a minimum premium is reached. When we determine your premium on renewal, we may also limit any increases or decreases in your premium by considering factors such as your previous year’s premium amount. You may not save more with more eligible policies and by staying with us longer if a minimum premium is reached, or we have limited increases or decreases in your premium.

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If you need help, you can talk to us. Call 132 132 (7am–10pm)

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