Investment & Landlord Insurance That Protects Your Property and Rental Income

Specialist insurance for residential investment properties—covering building damage, tenant risks and loss of rent across Australia.

Protects your investment property and rental income
Cover for tenant damage, theft and vandalism
Loss of rent and rental default options
Legal liability protection for landlords

Get My Landlord Insurance Quote

Request a Landlord Insurance Quote

Full Name

Company / Business Name

Email Address

Phone Number

Property Address

Property Type

Rental Type

Estimated Annual Rental Income

Building Value

Contents Value

No obligation. Cover tailored to your property and tenancy arrangements.

Understanding Your Cover

What Is Landlords Insurance?

Investment Property (Landlord) Insurance is designed to protect residential rental properties against physical damage, loss of rental income and tenant-related risks. Unlike standard home insurance—which is intended for owner-occupied properties—landlord insurance addresses the unique exposures that arise when a property is leased to tenants.

This cover helps protect both your property asset and your rental income, providing peace of mind throughout the tenancy lifecycle.

Is This For You?

Who Landlords Insurance Is For

This insurance is commonly arranged by:

Residential property investors

First-time landlords

Owners of single or multiple rental properties

Holiday rental and short-stay property owners

Apartments, units and townhouses (non-strata contents)

Self-managed super fund (SMSF) property owners

Interstate and overseas property investors

Property owners using managing agents

Cover Options

What Does Landlords Insurance Typically Cover?

Building Cover

Damage to the structure caused by events such as fire, storm, impact and malicious damage.

Landlord Contents

Fixtures and fittings provided for tenant use, including carpets, blinds, appliances and light fittings.

Loss of Rental Income

Loss of rent if the property becomes uninhabitable due to an insured event, or following tenant default (subject to policy terms).

Tenant Damage

Malicious or accidental damage caused by tenants or their guests.

Theft & Vandalism

Loss or damage caused by tenants or third parties.

Legal Liability

Legal liability for injury or property damage suffered by tenants or visitors at the property.

Beyond the Basics

Additional Covers & Policy Extensions

Rent default and eviction cover
Extended loss of rent periods
Accidental tenant damage cover
Court and tribunal attendance costs
Re-letting and advertising costs
Flood cover (where available)
Temporary accommodation costs
Short-term rental extensions (e.g. Airbnb-style)
Pet damage cover (limited)
Multiple property discounts
Some policies may also offer no-claim bonuses or reduced excess options.

Policy Options

How Landlords Insurance Is Structured

Annual Policy

Landlord insurance is typically structured as an annual policy, renewable each year based on property details, rental arrangements and claims history.

Replacement Value Basis

Building cover is generally insured on a replacement value basis, reflecting the cost to rebuild the property rather than market sale value.

Loss of rent is usually subject to weekly limits and time caps. Certain tenant-related claims may require valid lease agreements, bond lodgement and compliance with tenancy laws. Proper structuring helps ensure the policy responds during disputes or defaults.

Why It Matters

Tailored investment property solutions

Rental income is a key financial commitment

Tenant risks are not covered under standard home insurance

Repair and reinstatement costs can be significant

Protects against legal liability claims

Provides cash-flow protection during vacancies

Protect Your Investment Property With Confidence

Speak with a broker who understands rental property risk.

Get My Landlord Insurance Quote

Important: Landlord Insurance policies vary significantly between insurers, particularly in relation to tenant damage, rent default and short-term letting. Not all policies include these covers by default. Advice from an insurance broker is recommended to ensure policies align with tenancy arrangements, sums insured and rental income.

FAQ's

Home insurance is designed for owner-occupied properties. Landlord insurance includes additional covers for tenant-related risks, such as loss of rent, tenant damage and liability exposures that are not covered under standard home policies.

Landlord insurance is not legally mandatory, but it is strongly recommended for anyone renting out a property. Without it, landlords may face significant financial loss from tenant damage, unpaid rent or liability claims.

Yes. Most policies include cover for loss of rental income if the property becomes uninhabitable due to an insured event. Some policies also cover rent default by tenants, subject to conditions and limits.

Not always. Malicious tenant damage is often included, but accidental tenant damage may be optional. Policy wording varies significantly, making professional advice important.

Landlord contents generally include items provided for tenant use, such as carpets, blinds, curtains, appliances and fixed light fittings. Personal belongings left at the property are usually not covered.

Short-term and holiday rentals are not automatically covered under all policies. A specific extension or specialist policy may be required for Airbnb-style letting.

Some policies offer limited pet damage cover, often with sub-limits and conditions. Not all insurers provide this cover as standard.

If you need to make a claim, contact Seguro Insurance Brokers directly. Our team will guide you through the claims process, help you gather the required documentation and liaise with the insurer on your behalf to ensure your claim is handled efficiently.

Premiums are influenced by:

Common exclusions include:

Claims are usually lodged by the landlord or managing agent. Supporting documentation such as lease agreements, rent ledgers and condition reports may be required for tenant-related claims.

broker helps ensure:

Insurance made easy.