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Important Notice

Landlord Extras customers
Have you lost rental income as your tenant has been financially impacted by COVID-19 and cannot pay their rent? You may be able to claim under your Optional Landlord Extras cover, see the Landlord Extras COVID-19 claims FAQs to learn more.

Rent default cover
We’re not currently offering Landlord Extras cover, which includes cover for loss of rent due to default by tenants, to new or existing Landlord Insurance customers. There may be other insurance options available to suit your requirements; please refer to the Insurance Council of Australia for a list of alternative providers.

 

What type of Landlord Insurance are you looking for?

Landlord Building Insurance

Cover to repair or rebuild the physical structure of a property or any permanent fixtures in an unexpected event, such as flood, fire and more.

Learn more

Landlord Contents Insurance

Cover for loss or damage for the contents you own, such as carpets, curtains, appliances, furniture and TVs.

Learn more

Landlord Building and Contents Insurance

Cover for both the physical structure of a property and contents you own.

Learn more


Peace of mind you have the cover you need in an unexpected event. 

Property investment carries inherent risks - even with finding the right tenant. Landlord Insurance provides cover for a range of events, so you have less to worry about. 

 

Frequently asked questions 

Read the Product Disclosure Statement for full terms and conditions, including limits and exclusions.


What is Building Insurance for landlords?

Building Insurance provides cover against damage to the property’s physical structure in an unexpected event. The cover extends to more than just a residential properties walls, and includes fixtures and fittings such as: 

  • Walls, gates, fences decks, patios, balconies, paths and driveways
  • Structures such as garages, carports, sheds and other domestic outbuildings
  • Permanently fixed swimming pools, saunas, spas and tennis courts, including their fixed fittings and fixed accessories
  • Wharves, jetties and pontoons that are physically attached to your property
  • Tanks that store heating oil, gas or water

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What is Contents Insurance for landlords?

Contents Insurance provides cover for your contents you make available to your tenants, such as: 

  • Furniture, furnishings
  • Kitchenware, manchester, linen
  • Appliances (including unfixed dishwashers)
  • Artwork
  • Fixed and unfixed carpets and rugs
  • Floating floorboards in a home which is part of a strata title plan
  • Internal window coverings e.g. blinds, curtains
  • Televisions, stereos, VCRs, DVD/Blu-ray players and recorders, but not game consoles or portable equipment
  • Portable heaters and vacuum cleaners

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How much does it cost to rebuild my property or replace my contents?

If your investment property is a strata unit or townhouse, your building insurance may be taken care of by the strata or body corporate and you should contact your strata board for any enquiries. However, if it’s a house, think about what it would cost to rebuild it today using the same type of materials and the same style of fittings and fixtures.

To help you estimate the replacement value of your investment home you can use the Building Calculator
To help you estimate the replacement value of your contents, you can use the Contents Calculator

The Building and Contents calculators available through our websites are intended as a guide only. For a more accurate rebuilding cost, consider obtaining a professional valuation from a licensed builder or professional valuer.

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Do I need to notify my insurer of any changes to my property?

Many Australians undervalue their assets when it comes to insurance, so it pays to keep your insurance up to date to avoid unexpected outcomes. It is wise to notify your insurer before or as soon as you become aware that your circumstances have changed because you might not be covered unless you notify your insurer. Some of the changes in circumstances that require notification include:

  • Any insured plans to renovate or make alterations or additions to a building or buildings on the site
  • Any person plans to build a new structure on the site
  • The insured property has existing unrepaired damage
  • The insured property is not watertight, well maintained, structurally sound and secure
  • Security devices that have been removed or are no longer working
  • The insured property will become unoccupied for more than 60 consecutive days

 

Offer & Benefits

Save up to 25%*

Quote and buy online to save 15% off your annual premium for the first year with promotional code COVER. Plus, 10% when you combine building and contents located at the same address under one policy.*

Payment flexibility

You can pay for your cover monthly or yearly - whatever suits you and at no extra cost.^

Simple claims process

24/7 claims support available online and over the phone, we're there for you when you need us. One of our dedicated Australian claims managers will call you back if we have further questions.  

 

Important information

Cover is subject to your application for insurance being accepted.

Product Disclosure Statements (PDS)

Landlord Insurance Product Disclosure Statement and Supplementary Product Disclosure Statement (PDF 943KB) (applicable to policies issued or renewed on or after 1 July 2019)

Landlord Insurance Product Disclosure Statement (PDF 449KB) (applicable to policies initially issued in the period between 30 June 2018 and 30 June 2019; or renewed in the period between 30 July 2018 and 30 June 2019)

This information does not take your personal objectives, circumstances or needs into account. Read the relevant PDS(s) to see if this insurance is right for you.

View the Retail and Business Banking Financial Services Guide, Credit Guide and Privacy Statement. (PDF 117KB)

^ Premiums payable by instalments may be subject to minor adjustments due to rounding, and financial institution transaction fees may apply.

* Quote and buy online and save 15% off your annual premium for the first year with promotional code COVER. Plus, save 10% when you combine building and contents located at the same address under one policy.

Landlord Insurance is issued by Westpac General Insurance Limited ABN 99 003 719 319 (except workers compensation cover where applicable). BankSA – a Division of Westpac Banking Corporation ABN 33 007 457 141 (the Bank) distributes the insurance, but does not guarantee the insurance.