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Landlord insurance

Landlord Insurance includes:

  • Loss of rent during repairs​
    If your building or contents are covered and your rental property is unliveable after a covered event, CGU will pay up to 12 months of lost rent.​1​
  • Furniture & furnishings​
    Cover for loss or damage to furniture, furnishings and carpet in your property.​2
  • Theft & vandalism
    Cover for stolen items and damage to or from theft and vandalism, including stolen keys.3
    • Flood, storm & storm surge
      Cover for loss or damage to your home and items caused by flood, rainwater run-off, storm, storm surge and tsunami.​4
    • Fire
      Cover for loss and damage caused by fire (including bushfire).
    • Damage from leaks
      Cover for loss or damage to your property caused by liquid leaks 5 like from a burst pipe or broken heater.5

Do you know how much your investment property and it's contents are worth?

Avoid the possibility of under-insuring your building or contents and make sure you have appropriate cover.

Home building value calculator

Calculate building value

Home contents value calculator

Calculate contents value

Why choose to insure through CGU?

Flexible payment options

Choose your cover and pay fortnightly, monthly or quarterly at no extra cost.

Claims guarantee

CGU offers a lifetime guarantee on the workmanship of authorised repairs to your home.

Manage your insurance online

For policies purchased or renewed after 20 May 2025, certain updates can be made online.

Manage your insurance online

For policies purchased after 20 May 2025, you can make certain updates online, such as adjusting your excess amounts or optional benefits.

Simply log in to your account to see the available options. For assistance, call CGU at .

For significant changes, like purchasing a new car, please call us directly at .

Manage your insurance online

Need to make a claim?

Call our partner CGU's claims team 24 hours a day, seven days a week on 13 24 80 to lodge a claim.

Home or motor vehicle claims can also be made online by visiting the CGU Insurance claims page or by logging in to your CGU online account.

Call CGU on 13 24 80Make a claim online with CGU

Compare the different insurance cover types

Cover for loss or damage to your rental property and contents

CoverAccidental breakage of glass
Building
Yes
Contents
Yes
CoverAnimal damage
Building
Yes
Contents
Yes
CoverDamage by occupant
Building
Yes
Contents
Yes
CoverDeliberate or intentional act
Building
Yes
Contents
Yes
CoverEarthquake
Building
Yes
Contents
Yes
CoverElectrical motor burnout
Building
Yes
Contents
Yes
CoverEscape of water or liquid
Building
Yes
Contents
Yes
CoverExplosion
Building
Yes
Contents
Yes
CoverFire
Building
Yes
Contents
Yes
CoverFlood or rainwater run-off
Building
Yes
Contents
Yes
CoverImpact
Building
Yes
Contents
Yes
CoverLightning
Building
Yes
Contents
Yes
CoverRiot or civil commotion
Building
Yes
Contents
Yes
CoverStorm
Building
Yes
Contents
Yes
CoverStorm surge or tsunami
Building
Yes
Contents
Yes
CoverTheft by tenant
Building
Yes
Contents
Yes
CoverTheft or attempted theft
Building
Yes
Contents
Yes
CoverCover for liability
Building
Yes
Contents
Yes

Additional benefits

CoverAbandoned posessions
Building
Yes
Contents
Yes
CoverContents in the open air
Building
No
Contents
Yes
CoverLandlord furniture and furnishings – non-strata scheme
Building
Yes
Contents
No
CoverLandlord furniture and furnishings – strata scheme
Building
No
Contents
Yes
CoverLandscaping
Building
Yes
Contents
No
CoverLocating the cause of damage
Building
Yes
Contents
No
CoverLoss of rent
Building
Yes
Contents
Yes
CoverMeeting building regulations
Building
Yes
Contents
No
CoverMortgage discharge costs
Building
Yes
Contents
No
CoverProfessional and rebuilding fees
Building
Yes
Contents
No
CoverRemoval of debris
Building
Yes
Contents
Yes
CoverReplacement of keys and locks
Building
Yes
Contents
No
CoverStorage costs
Building
No
Contents
Yes

Optional benefits

CoverRent default
BuildingOptional
ContentsOptional
CoverSafety net
BuildingOptional
Contents
No

This table compares the cover CGU provide under the types of insurance and levels of cover they offer. The amount and extent of cover, including additional benefits and optional benefits, may also vary depending on the cover selected.

Frequently asked questions

Yes, you can. The calculation provided is just a guide. It's your responsibility to ensure your home is insured for its full replacement value. However, if you insure your home or contents for more than the cost to repair, replace, or rebuild, CGU will only pay the actual cost of repairing, replacing, or rebuilding.

Yes, you can choose who repairs your home. However, if you decide not to use one of CGU’s partner repairers, they won't be able to guarantee the workmanship or repairs that are completed, nor assist in managing the repairer regarding timeframes or quality. CGU will also only pay you the fair and reasonable amount that the repairs should cost.

The changes you can make to your policies using your online account depend on the specific policies you hold.

For example, if you have a Comprehensive Car Insurance policy, you can:

  • Add/edit the car's VIN
  • Add/remove a windscreen option
  • Add/remove a hire car
  • Add/remove drivers
  • Add/remove the car's credit provider
  • Amend your excess
  • Amend your sum insured
  • Change and view your risk address
  • Change kilometres driven/garaging
  • Change the address where the car is kept
  • Change your car's number plate details
  • Switch from agreed value to market value

For more information about what changes you can make to your policy, please
contact CGU on 13 24 81.

Important information

Excesses and exclusion periods may apply. Refer to your Certificate of Insurance. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement.

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 ABN 11 000 016 722, AFSL 227681 under the CGU brand. The information on this website 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. The Product Disclosure Statement and Target Market Determinations are available from the CGU website.

1. CGU cover either the weekly rent listed on your Certificate of Insurance, or the weekly rent in your rental agreement, whichever is less. A valid rental agreement is required.

2. Under a Landlord ‘Contents’ policy, your furniture and furnishings are covered up to the contents insured amount. Under a Landlord ‘Building’ policy, if your property isn’t under a strata or similar scheme your furniture and furnishings are covered to up to 10% of the buildings insured amount.

3. If theft or vandalism by tenant, CGU will deduct from your claim four times the weekly rent amount shown on your rental agreement, in addition to the standard excess. A valid rental agreement is required. No excess is payable for a claim made only under the ‘Replacement of keys and locks’ additional benefit.

4. CGU don’t cover actions of the sea, such as tides and waves.

5. CGU doesn’t cover damage caused by water leaking or escaping from a shower recess or shower base. CGU doesn't cover loss from erosion or other earth movements. CGU doesn't cover the costs to repair or replace the item that the liquid leaked or escaped from.