Landlords insurance
Emergency repairs
Repairs will be organised quickly 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 you need to worry about.*
Cover for damage
Cover is provided for accidents, water damage, vandalism, storm, and much more.*
Find the right protection as a landlord
Building and contents
The most extensive type of landlord insurance through BCU Bank, and a good option to help keep your investment property and the contents in it safe.
- Residential building protection
- Domestic outbuildings
- Infrastructure for services
- In-built swimming pools and spas
- Furniture
- Appliances
- Carpets and curtains
Buildings cover
If your investment property is unfurnished, you can cover 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
Contents cover
If your building already has insurance from an owner’s corporation or strata 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
This is only a summary, please refer to the Product Disclosure Statement (PDS) for more information on what is and isn’t covered.
The choice is yours with optional cover*
Liability cover
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.
Loss of rent
If the building becomes uninhabitable due to a covered incident, you can rest assured knowing you'll have cover for up to 12 months worth of rental income when you add loss of rent to your policy.
Rent default
With this option, your policy can cover rent default (for the weekly amount your property is leased for, up to $5,000), along with any legal costs you incur as a result of rent default.*
Got a question about landlords insurance?
When you rent out your property there is always the risk of loss or damage occurring. Landlords insurance can help provide you cover for accidental loss or damage to your buildings and/or contents.
The level of cover you have will vary depending on the type of Landlords insurance policy you choose, from:
- Building and Contents cover,
- Buildings cover, or
- Contents cover.
You can also add optional extras to our Landlords insurance policies depending on the level of cover you require. These include cover for theft by a tenant, loss of rent for up to 12 months, and legal liability cover.
If you have Landlords Insurance, accidental damage caused by your tenant’s pets is covered up to the value of $2,500.
View the Landlords Insurance PDS for full details.
Landlord's Contents Insurance generally does not cover plants and trees, animals, clothing and sporting equipment, among other things.
View the Landlords Insurance Product Disclosure Statement for a full list of non-covered items on policies starting or renewed from 8 July 2023.
Policy terms, conditions, limits and exclusions apply.
As long as you take out Buildings and Contents or Buildings cover for your landlord's insurance then, yes, the building is insured. This means that if a storm, fire, landslide, bungled burglary or other listed event causes damage to your property, you'll be covered, subject to the policy terms.
You can find out what types of buildings we cover and what the building is covered for, in the Landlords Insurance Product Disclosure Statement (PDS).
Important information
*Underwriting criteria, policy terms, conditions, limits and exclusions apply. Please see the Product Disclosure Statement 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 (TMDs).