Damage from flood, storms1, earthquake, lightning, fire1, impact, explosion
Up to $20 million in legal liability for compensation for injuries to visitors and damage to their property
Automatic safety net in case repair or replacement costs are higher than expected2
Theft3, and malicious acts and unrest
Emergency repairs and protection
Up to 10% of the sum insured
Up to 10% of the sum insured
Other limits and exclusions apply.
✓ Accidental breakage of glass
✓ Electrical motor burnout
Limits and exclusions apply.
In general, damage or loss caused by wear and tear or failing to maintain your property are not covered under Landlord Building and Contents Insurance.
Take a look at the (applicable to policies issued or renewed on or after 5 April 2021) (applicable to policies issued or renewed in the period between 1 July 2019 and 4 April 2021) for full terms and conditions, including limits and exclusions.
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.
We’re not currently offering Landlord Extras cover to new or existing Landlord Insurance customers.
Westpac Group has a new agreement with global insurance specialist, Allianz, to keep supporting our customers with high quality insurance products. Please be assured there are no changes to your existing policy, servicing or claims experience. See our FAQs to learn more.
Before making a decision, please read these documents to ensure you’re aware of all fees and charges.
Use the Contents Calculator to get an accurate estimate on what it will cost to replace your belongings. You will receive a downloadable report which is handy to receive an accurate quote.
The Building and Contents calculators available through our websites are intended as a guide only.
Quote and buy online to save 15% off your annual premium for the first year with promotional code COVER.*
You can pay for your cover monthly or yearly - whatever suits you.^
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.
Cover is subject to your application for insurance being accepted.
Product Disclosure Statements (PDS)
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.
^ Premiums payable by instalments may be subject to minor adjustments due to rounding, and financial institution transaction fees may apply.
* Quote and buy online to save 15% off your annual premium for the first year with promotional code COVER.
1 Under Essential cover Storm cover excludes damage to gates, fences, and freestanding walls.
2 Safety net of between 5% and 10% of your sum insured, depending on your type and level of cover.
3 Under Essential cover, contents only covered if the theft occurs from inside a fully enclosed and lockable building at the insured site. Under Quality cover, theft is covered if the theft occurs from a fully enclosed and lockable building at the site, and for up to $2,000 in the open air.
4 A Landlord Extras claim will only be paid if you’re able to provide certain documents and evidence such as:
The rental agreement should state the term of the lease, the amount of rent and bond payable by the tenant/s.
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.