Landlords Insurance

Protect your rental propery and income with Landlords Insurance

Owning an investment property can provide long-term financial benefits, but it also comes with risks that can affect both your property and rental income. Tenant damage, loss of rent, theft, liability claims, storms, and unexpected events can all create significant financial strain for landlords.

Landlord Insurance is designed to help protect property owners from these risks by providing cover tailored to rental properties. Whether you own a residential investment property, commercial premises, or short-term accommodation, the right policy can help safeguard your building, contents, and rental income while giving you greater confidence in managing your investment.

What is Landlords Insurance?

Landlord Insurance is designed specifically for property owners who lease residential, commercial, or short-stay accommodation. Unlike standard home insurance, landlord policies can provide additional protection against tenant-related risks, rental income loss, and liability exposures associated with leasing a property.

Depending on the policy selected, Landlord Insurance can include protection for the building, landlord-owned contents, tenant damage, legal liability, and loss of rent following an insured event. Optional benefits may also be available for accidental or malicious damage, tenant default, legal expenses, and strata-related gaps in cover.

A typical Landlords Insurance policy may cover:

• Building Cover
  Protection for the building structure against insured events such as fire, storm, impact damage, vandalism, and other accidental events.
• Contents Cover
  Cover for landlord-owned items including carpets, blinds, appliances, furniture, and fixtures supplied with the rental property.
• Loss of Rental Income
  Financial protection for lost rent if the property becomes uninhabitable following an insured event or in certain tenant default scenarios where cover applies.
• Liability Protection
  Cover for legal liability if a tenant, visitor, or third party suffers injury or property damage at the insured property.
• Optional Additional Benefits
  Policies may offer optional cover for accidental or malicious tenant damage, legal expenses, rent default, theft by tenants, strata shortfalls, and short-term rental exposures.

Who is Landlord Insurance suitable for?

Residential Landlords | Commercial Property Owners | Short-Term Rental Hosts | Real Estate Investors | Property Managers | Strata Property Owners | Warehouses | Retail Stores | Offices | Shopping Centres | Restaurants | Hospitality Operators | Factories | Industrial Buildings | Manufacturing Facilities