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Peace of mind for you and your tenants

Landlords Insurance

Landlords insurance helps give you both protection and peace of mind when it comes to your investment property.

Emergency repairs

If an incident occurs, we’ll help organise repairs so the property is safe and liveable again.*

Optional extras

Include cover for theft by tenants as an optional extra, so it's one less thing to worry about for you.*

Cover for damage

We provide cover for accidents, water damage, vandalism, storm, and much more.*

Find the right protection as a landlord

Building and contents

Building and contents

━ Comprehensive cover ━

The most extensive type of landlord insurance we offer, and a good option to help keep your investment property and the contents of it safe.

  • Residential building protection
  • Domestic outbuildings
  • Infrastructure for services
  • In-built swimming pools and spas
  • Furniture
  • Appliances
  • Carpets and curtains

Get a quote

Buildings cover

Buildings cover

━ Cover for structures ━

If your investment property is unfurnished, we offer cover for just the property, plus other buildings on your property.

  • Residential building protection
  • Domestic outbuildings
  • Infrastructure for services
  • In-built swimming pools and spas
  • Furniture
  • Appliances
  • Carpets and curtains

Get a quote

Contents cover

Contents cover

━ Cover for contents ━

If your building already has insurance from an owner’s corp and you only want the contents covered.

  • Residential building protection
  • Domestic outbuildings
  • Infrastructure for services
  • In-built swimming pools and spas
  • Furniture
  • Appliances
  • Carpets and curtains

Get a quote

The choice is yours with optional cover*

Workers compensation

Cover applies for any staff you employ (as the owner) to perform tasks such as gardening around the property.

Loss of rent

If your building is uninhabitable due to an event covered by the policy such as a burst pipe or fire, we will cover up to 12 months worth of rental income, up to your policy sum insured, until the property is able to be rented again.

Liability

Choice of $5 million, $10 million, $15 million, or $20 million in liability (inclusive of GST).

Theft by tenant

Theft by tenant provides cover for items stolen or damaged by the tenant.

This is only a summary, refer to the Product Disclosure Statement (PDS) for more information on what is and isn’t covered.

Ready to go?

Answer a few questions about your investment property and the things inside it and you could be covered in just a few minutes.

Get a quote

Need to make a claim?

You can make a claim by contacting our partner CGU's 24/7 claims team on 13 24 80. Find out more.

Home or motor vehicle claims can also be made online by visiting the CGU Insurance claims page.

Make a claim

Frequently asked questions

Landlords can choose from a range of different Landlords insurance policy options depending on their needs and situation. The Landlords insurance options we offer include Building and Contents insurance, Buildings insurance, and Contents insurance.

Depending on the policy and optional extras you choose, Landlords insurance can cover a wide range of events and situations that may occur at a landlord’s property. With these policies, landlords can claim for insured events such as residential property damage or violations of a rental agreement and may be entitled to legal liability cover.

Landlords insurance may cover accidental damage or loss to the buildings, structures and/or contents of an investment property. Depending on the type of Landlords insurance policy you purchase and the optional extras you choose, you may also be covered for cover loss of rent for up to 12 months, theft by a tenant, workers’ compensation, and your choice of legal liability cover.

In short, yes, it is. Landlords insurance has optional extras that can be added to help protect landlords against events such as loss of rent for up to 12 months, malicious residential property damage, and theft by a tenant, while Building insurance is a policy type that can cover the residential building, plus any other structures on the property such as garages and sheds, if they were to be damaged or destroyed (for example, by a fire).

As there are different policy options when it comes to Landlords insurance, this is largely dependent on what level of cover you’re after. With Landlords insurance you can choose Buildings cover, Contents cover, or Building and Contents cover. Whether you choose to insure both the property and the contents within it depends on your needs and financial situation. Buildings insurance may cover repairing or rebuilding the house or any other structures on the property if required, while Contents insurance will help cover things such as any furniture or appliances you may have in the property. Landlords insurance includes optional extras to cover rental property-specific situations, such as if a tenant stops paying rent. It may be helpful to compare Landlords insurance cover options to determine which policy is suited to your circumstances.

Important information


    *Underwriting criteria, policy terms, conditions, limits and exclusions apply. Please see the PDS for full details.

    Police & Nurses Limited (BCU Bank) ABN 69 087 651 876 AFSL 240701 acts under its own AFSL and under an agreement with the issuer Insurance Australia Limited trading as CGU Insurance ABN 11 000 016 722, AFSL 227681. Any advice provided is general advice only and does not take into account your individual objectives, financial situation or needs (“your personal circumstances”). Before using this advice to decide whether to purchase a product, you should consider your personal circumstances and the relevant Product Disclosure Statement and Target Market Determinations.