Landlord Insurance

Choose your cover

Every investment property is different, so we offer you the flexibility to choose the right cover for your property, contents and situation. Choose Building and/or Contents cover and, if you want to add protection against bad tenants, Landlord Extras. Or, if your property is in a strata, group or community title scheme and you don't need standard building or contents cover, Landlord Protection Insurance is specifically designed to meet your needs.

• Building – covers your building against loss or damage (choose from 2 levels of cover, see Cover level)
• Contents – covers your landlord fittings or furniture against loss or damage (choose from 2 levels of cover, see Cover level)
• Landlord Extras – optional policy added to your Building or Contents policy to protect you against malicious damage or theft by tenants and loss of rent
• Landlord Protection – a stand-alone insurance policy designed to protect you against malicious damage or theft by tenants and loss of rent for strata, group or community title where Building or Contents insurance are not needed.

Which cover?

Your property	Building	Contents	Levels of cover	Optional Landlord Extras	Landlord Protection (separate stand-alone policy if strata)
Unfurnished house			Essential Care Quality Care	Add to Building
Furnished house			Essential Care Quality Care	Add to Building/and or Contents
Furnished unit			Essential Care Quality Care	Add to Contents
Unfurnished unit with structural improvements			Essential Care Quality Care	Add to Contents
Unfurnished unit with original structures

Compare cover details

Landlord Building, Contents and Landlord Extras

Choose your level of cover for Building and/or Contents

To choose your level of cover, compare these key differences between Essential Care and Quality Care.

• Essential Care - provides a basic level of cover to protect your Building and/or Contents against loss or damage
• Quality Care - covers your Building and/or Contents against loss or damage from a wider range of events with additional benefits

Then choose whether to add optional Landlord Extras for protection against malicious acts by tenants and loss of rent. 

B = Included with Building cover 

C = Included with Contents cover 

LE = Included with Landlord Extras (add to Building and/or Contents)

Cover		Essential Care	Quality Care	Optional Landlord Extras
Loss or damage caused by storm, fire, theft, flood, lightning and more (insured events)	BC			NA
Electrical motor burnout	BC		For motors up to 15 years old	NA
Accidental breakage of glass	BC			NA
Landlord fittings (light fittings, carpets and window coverings under building insurance)	B			NA
Loss of rent when the home is unliveable following an insured event	B		Up to 10% of the sum insured or the amount of lost rent up to 12 months, whichever is smaller	NA
Legal Liability cover up to $20 million	BC			NA
Malicious acts by your tenant	LE			up to the building and/or contents sum insured
Theft by your tenant	LE			up to the building and/or contents sum insured
Loss of rent due to tenant default	LE			up to $1,000 per week for up to 10 weeks

Above and beyond your sum insured, there's extra cover included to get your property back to normal faster and reduce your risk of income loss. Check the PDS for details.

Landlord Protection

Landlord Protection is a stand-alone policy to cover your building and landlord fittings against malicious acts and theft by tenants plus loss of rent. This policy suits unfurnished units that are part of a strata, community or group title scheme, and does not cover any other contents.  

Cover	Limits
Malicious acts or theft by your tenant	Building : $60,000 Landlord fittings (light fittings, fixed carpets and window coverings): $20,000
Loss of rent due to tenant default	Up to $1,000 per week for up to 10 weeks
Denial of access to property by tenant by Government authority	Up to $1,000 per week for up to 52 weeks
Legal expenses	$5,000
Strata, group or community title properties only
Loss or damage caused by an insured event	Loss of rent if home unliveable up to $1,000 per week for up to of 52 weeks Loss or damage to landlord fittings (light fittings, fixed carpets and window coverings) up to $20,000
Legal liability	$20 million (strata, group or community title properties only)

Need more detail?
It's important to understand what you are and aren't covered for. For the policy details, check the PDS.

How to apply

• Call us: Call on 1300 554 002, Monday to Friday 8.30am – 5pm
• Visit a branch
• Get a quote
• Retrieve a quote 

How to renew

• Renew now
• Call us: Call on 1300 554 002, Monday to Friday 8.30am – 5pm

 

How to make a claim

Claims

• Call us immediately on 1300 656 345 – this is the fastest way to claim
• If you prefer to lodge a written application yourself, you can download the Landlord Insurance claim form and send it to us with supporting documentation
• Advise the police immediately if the damage is malicious, property has been stolen or lost or your home has been illegally entered
• Do not allow anyone to repair the property until we have had a chance to inspect it.

Provide us with the following information

So we can assess your claim promptly, we may ask you to provide copies of:

• Current tenancy agreement
• A copy of the tenancy agreement for the new tenants (if applicable)
• Rental payment receipts
• Confirmation of your entitlement under the Rental Bond Board
• Receipts for any expenses you have paid, such as cleaning.

It may not be necessary to complete a claim form when you claim. However, if required, you can download the Landlord Insurance claim form and send to:

General Insurance
Home and Contents Claims
GPO Box 4451
Sydney NSW 2001.

Making a claim over the phone
Step	Action
1	Call us on 1300 656 345 Select option 1 for home and contents, then option 2 for new claims
2	If you are eligible to claim, we will complete and lodge your claim over the phone
3	We may send you a letter confirming what we require from you, your case number and if required a claim form
4	Send us your supporting documents and if you were sent a claim form, the completed claim form

How long does it take to settle a claim?

When we have all necessary information and have completed all investigation that was required to assess your claim, we will decide to accept or reject your claim and notify you of our decision within 10 business days.

Insurance claim help

If you need assistance, or want to track your claim, call us on 1300 656 345 and quote your case number.