Landlord insurance

What is landlord insurance and what does it cover?

Landlord insurance (also called rental property insurance) helps protect your investment property from risks that come with renting it out. Here’s what it can cover:

Home insurance cover for landlords

• Covers accidental loss or damage to your rental property caused by events like fire, burglary, vehicle collisions, and natural disasters, such as storms or floods. You can also add cover for intentional damage, vandalism, or theft by tenants.

Contents insurance cover for landlords

• If you provide items like furniture or whiteware for your tenants to use, contents cover can protect those items.

Accidental damage and loss of rent

• If your rental property is accidentally damaged and your tenants can't live there, your policy may cover repair costs and lost rent while repairs are underway.

Rent protection

• Optional cover is available for lost rent if tenants leave without notice or are evicted for non-payment.

Methamphetamine decontamination

• Your landlord insurance policy can be extended to cover the cost of methamphetamine decontamination. This includes approved testing and professional cleaning, so your rental property can be safely lived in again.

Landlord liability insurance

• Protects you if you're legally responsible for damage to someone else’s property due to your ownership of the rental.

How we help you

Our brokers can talk you through your landlord insurance options and arrange cover that fits your needs and budget.

If you ever need to make a claim, we’ll advocate on your behalf to make sure it’s handled fairly and without delay.