Landlord insurance to protect your rental property and income
Owning an investment property comes with its rewards, but it also carries risks. From accidental damage caused by tenants to unpaid rent or liability claims, unexpected events can impact your income and property value. Landlord insurance provides protection specifically designed for property owners, giving peace of mind that your investment is secure.
What is Landlord Insurance?
Landlord insurance is designed for property owners who lease residential or commercial premises. It typically extends beyond standard home insurance to include tenant-related risks and rental income protection.
Depending on the policy, Landlord Insurance can typically include:
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Building cover
Damage to the structure from insured events (e.g. fire, storm, impact, vandalism). -
Contents cover
Landlord-owned fixtures and fittings (carpets, blinds, appliances, furnished items). -
Loss of rent
Where a property is uninhabitable after an insured event, or for specified tenant default scenarios (if included). -
Liability cover
Legal liability for third-party injury or property damage occurring at the rental. -
Optional extensions
Accidental or malicious damage by tenants, legal expenses, rent default, strata gaps, and more (policy-specific).
Who is Landlord Insurance suitable for?
Landlord insurance is suitable for anyone who rents out residential or commercial property, including:
Residential Landlords
Whether you own one investment property or several, landlord insurance can cover damage to the building, tenant-related risks such as accidental or malicious damage, and loss of rental income after an insured event.
Commercial Landlords
or property owners leasing offices, shops, or warehouses, landlord insurance provides protection for the building structure, fixtures, and fittings. It can also cover liability claims and loss of rent if the premises are damaged and tenants cannot occupy them.
Short-term Rental Hosts
If you rent through Airbnb or other short-stay platforms, specialist landlord insurance helps protect against guest damage, theft, liability claims, and rental income loss. These policies address risks that are not usually covered by standard home or contents insurance.
Get in touch
Our brokers can review your property, tenancy profile, and risk exposures to recommend a landlord insurance policy that fits—so your asset and income are properly protected.
For more information or to arrange cover, please contact us or simply fill out the Landlord Insurance quote form below and one of our insurance brokers will get in touch in one business day.
Request a Quote
