Landlords

    Landlords Insurance

    Landlords cover is not just about rent. It covers your liability against personal injury of tenants and also the building and contents.

    Even if your property is leased unfurnished you still require a small contents cover to insure items such as carpets, dishwashers etc.

    Building Cover

    If you have a freestanding home that let our you will need to include building cover in your landlords policy

    Contents Cover

    Whether you have a unit or a home, furnished or unfurnished there is still a need for contents insurance to cover things that are not covered by your body corporate insurance or building insurance.

    Rent Cover

    Rent Default or Loss of Rent? You should have both depending on the type of lease you are using

    Landlords Quote Request

    Brick \ Concrete
    Wood \ Weatherboard
    Fibro - no asbestos
    Fibro - with asbetsos
    Metal
    Blueboard
    Other
    Tiles
    Colourbond
    Iron
    Fibro - no asbestos
    Fibro - with asbestos
    Concrete
    Other
    Freestanding House
    Unit - if so What Level
    Townhouse\Villa
    Other
    Leased over 6 months
    Holiday Let
    Air BNB
    1
    2
    3
    4
    No
    Yes
    No
    Yes
    No
    Yes
    No
    Yes
    No
    Yes
    No
    Yes
    No
    Yes
    None
    Monitored\Back to Base
    Local
    No
    Yes
    No
    Yes
    No
    Yes
    No
    Yes
    Yes
    No
    No
    Yes
    No
    Yes
    No
    Yes
    Yes
    No
    Landlords should consider how they can protect their premises, its assets and the income they receive from their tenants.

    Landlord building and contents insurance usually covers your building against risks from catastrophes, such as fire, storms and other natural disasters. It will usually include cover for the fixtures such as light fittings, carpets, ovens, stovetops and window coverings.

    You can also protect yourself from financial loss caused by damage to your rental property by your tenants or their guests, and loss of income due to unpaid rent.

    A landlord’s policy will include accidental damage caused by tenants, theft of your property by your tenants, malicious damage caused by tenants, and loss of rent due to tenants leaving without paying.

    Rent Default Cover

    Landlord insurance can cover the loss of rent that you might experience because damage has left your property unable to be leased.

    If missed rental payments will cause you financial stress, we need to make sure that you have Rent Default cover.

    Landlord insurance may protect you from loss of rent due to tenant hardship, which occurs when a court awards your tenant a release from their obligation to pay rent for a certain period of time due to hardship (for example, if they are unable to work due to injury or illness).

    Another option under landlord insurance policies includes covering your legal expenses if you have to take action against a bad tenant.

    Specialist landlord insurance providers will sometimes even include the cost of replacing locks on the property if your tenant has vacated the premises and has not returned the keys.

    Short-stay landlord insurance

    If you are a landlord of a short-stay rental property, such as a holiday rental, and your property is professionally managed, you can get a short-stay landlord policy which covers situations unique to holiday properties.

    These can include the death or serious illness of a guest and consequent difficulty in subsequent rentals, and failure to give vacant possession when a short stay tenancy is complete.

    This will included Air BNB but not all insurers can do this so make sure you tell us!



    Landlords Quote Request

    Please complete the form below and we will contact you shortly with quotes across our panel of insurers.

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