Landlord Insurance

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Landlord Insurance

Protect your investment property and landlord’s contents from insured events such as theft, fire, storm and malicious damage.

  • Cover for your investment property

  • Save up to 10% on your first year's premium when you buy a new policy online1,2.

  • Pay by the month at no extra cost3.

A residential investment property needs to be appropriately protected. Insurance can give you the peace of mind and confidence that your property will be looked after should something go wrong. Landlord Insurance covers the property and/or the contents you provide for your tenant’s use.

To help you decide the cover you need, Here’s a brief outline of the difference between Buildings and Contents cover.

Designed to cover the physical structures that make up your property, like the house itself, garage, sheds, permanently installed swimming pools and decks. Generally for customers who own a freehold home – like a house, townhouse, terrace or semi-detached dwelling.

Get a quote Call 1300 467 872

By proceeding to get a quote, you agree to receive the Financial Services Guide (FSG) on this website.

Designed to cover items at your property – from furniture, removable domestic appliances and white goods which belong to you as the landlord and that you have provided for the use of your tenant. It also covers your carpets and window furnishings.

Get a quote Call 1300 467 872

By proceeding to get a quote, you agree to receive the Financial Services Guide (FSG) on this website.

Features and benefits

The better you understand your policy, the easier it will be if you ever have to claim.

Here is a limited summary of the benefits of a landlord insurance policy. For full details of the terms, conditions, limits and exclusions that apply please read the Product Disclosure Statement (PDS), any applicable supplementary PDS and Landlord Buildings and Landlord Contents Key Fact Sheets (KFS) before making a decision to purchase the insurance.

Select the cover to suit your needs.

Effective 16 December 2019

1300 Insurance Landlord Insurance offers protection for your investment property for out of the ordinary but devastating events such as fire, storm and burglary.

1300 Insurance Landlord Insurance will cover your legal liability up to $20 million for payment of compensation relating to death, bodily injury or illness, and/or physical loss of or damage to property.

If your buildings are totally destroyed and need to be rebuilt, in addition to your buildings sum insured, 1300 Insurance Landlord Insurance will pay up to $5,000 to help you make the new buildings more environmentally friendly.

In the event you require repair or replacement of your contents you own and provide for your tenant’s use. If you select buildings cover, 1300 Insurance Landlord Insurance will pay up to $10,000. Alternatively, if you select contents cover, 1300 Insurance Landlord Insurance will pay, up to the sum insured.

If your buildings are damaged by an insured event and can’t be lived in by your tenant, or, we agree access to or the use of your buildings was not possible Allianz will pay for your loss of rent on the buildings for up to 12 months.

If you need to rebuild your buildings after total loss or damage, 1300 Insurance Landlord Insurance will help pay the reasonable costs of architects, engineers, surveyors and solicitors up to $5,000.

1300 Insurance Landlord Insurance will cover up to 10% of the building and/or contents sum insured for removing debris from your insured address if your buildings are damaged or destroyed by an insured event.

When you need to make a claim Allianz are there for you with a 24 hour claims line, helping you get back on track again as soon as possible.

1300 Insurance Landlord Insurance will cover contents in the open air (that you own and that you have provided for your tenants use) which have been lost or damaged by an insured event covered by your policy, up to a maximum amount of $200.


Optional covers

Add any of these optional covers for an additional premium and greater cover.

Cover for the compensation amount you are liable to pay if you employ a domestic worker and they are injured while working for you at the insured address. Only available in ACT, WA and TAS.

Option to be covered for loss of rent due to specified rental defaults, up to $10,000 in total.

Cover for loss or damage to your insured buildings or contents caused by theft, burglary or housebreaking committed by your tenant or invitees of your tenant.

Flood cover may be available as an optional cover to your buildings and/or contents. A 72 hour exclusion period applies.


How to apply for cover

It’s quick and easy to apply for Landlord Insurance. Simply call 1300 467 872 or click here to get an online quote.

By proceeding to get a quote, you agree to receive the Financial Services Guide (FSG) on this website.

Need to Claim?

If something does happen to your investment property, you need an insurance company who will act fast to help you get it back in shape. That's why we arrange insurance through Allianz, who has a quick and efficient claims process, to bring you this insurance. Click here for information on how to claim.

Get a quote Call 1300 467 872

By proceeding to get a quote, you agree to receive the Financial Services Guide (FSG) on this website.


What does Landlord Insurance cover?

Buildings > What’s covered?

Buildings insurance is designed to protect the physical structures and fixtures that make up your buildings: from the house itself, to the garage, fences and paved driveways – even built-in appliances like showers and baths, hot water systems, air-conditioners and more.

Landlord Insurance

What does Landlord Insurance cover?

Contents > What’s covered?

Contents insurance protects the belongings you have at the insured address that you have provided for the use of your tenant: from your furniture, carpet and appliances and even your BBQ. So, if any of the insured events happen during the period of insurance, we’ll generally pay to repair or replace your contents – up to the policy limits.

Landlord Insurance

If you purchased home or landlord insurance before 16 December 2019, please refer to the relevant Vital Home Insurance, Classic Home Insurance, Prestige Home Insurance or Landlord Insurance Product Disclosure Statements, any applicable supplementary PDS and Buildings or Contents Key Fact Sheet/s.

Landlord Insurance Calculators

It’s up to you to decide the sums insured, and the type and level of cover that you want to take out. People generally want enough insurance to cover the property’s estimated replacement value. If you don’t have enough cover, you could end up having to cover some of the costs yourself. Remember, we will only pay up to the amount of your loss or the sum insured, whichever is the lesser - so you should also be careful not to over insure. That's why we've provided these calculators. They work as guides to help you estimate the replacement value of your landlord building and contents.

Building replacement calculator

Value my home

Contents replacement calculator

Value my contents


Policy Documents and Key Fact Sheets

We do not provide advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision please refer to the Landlord Product Disclosure Statement (PDS) any applicable supplementary PDS and Landlord Buildings or Landlord Contents key fact sheets also available for reference.

1300 Insurance Pty Ltd ABN 50 124 845 727 AR Number 327609 is authorised to arrange and provide written general advice on this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708 (Allianz). We do not provide any advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statement available from 1300 Insurance website. If you purchase this insurance, we will receive a commission that is a percentage of the premium. We will also receive a percentage of the profit which exceeds the profit threshold on Home (excluding flood), Landlord (excluding flood), Motor, Caravan and Trailer and Commercial policies referred by us to Allianz (or renewed with Allianz) in each calendar year, provided that the relevant premium threshold is met. From 1 September 2018, we will also receive an annual marketing allowance from Allianz for promoting its products. This is calculated as a percentage of the premium on Home, Landlord, Motor, Caravan and Trailer and Commercial policies referred by us to Allianz in the previous 12-month period. Ask us for more details before we provide you with services.


1A premium discount of up to 10% is applied to your first years premium when you buy a new Landlord insurance policy online including optional covers if selected; Rent default and Flood. This discount is not applied on renewal.

2If you are eligible for more than one discount, Allianz applies them in a predetermined order. This means any subsequent discount will be applied to the reduced premium amount after applying any prior discounts and the effect of the subsequent discount will be reduced. For example, the aggregate effect of applying two 10% discounts consecutively means that you will not see the full benefit of both these discounts. Discounts do not apply to taxes or government charges. Discounts do not apply to optional covers for Domestic Workers Compensation / Landlord Workers Compensation, and may not apply to other optional covers (if available and selected). Any discounts/entitlements may be subject to rounding and may only apply to the extent that any minimum premium is not reached.

3If you choose to pay your premium by instalments you do not pay us any more than if you pay your premium in one lump sum annually. The premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding. Note: Your financial institution may apply transaction fees to instalment payments.

Landlord Insurance

Take all reasonable precautions to prevent further loss, damage or liability. Contact the police immediately to report any malicious damage, theft, attempted theft, burglary or loss of insured property. Contact the Claims Call Centre on 1300 467 872 and advise the Claims Consultant of what has happened: the Claims Consultant will help you through the landlord insurance claims process.

Flood cover is an option on both Building and Contents in Home and Landlords policies. Please call us on 1300 467 872 to find out whether you are eligible for Flood cover. For full details of terms, conditions, limits and exclusions of all our home insurance cover options, please refer to the relevant Product Disclosure Statement any supplementary PDS and Landlord Buildings or Landlord Contents.

This insurance policy has been designed for people who are renting their property out to tenants under a residential rental agreement.

Contents owned by you (or for which you are legally responsible) and provide for the use of the tenants may also be covered under the policy.

This policy is not suitable for covering the building or contents of the home you live in. In this regard, we offer a Home and Contents product that has been specifically designed for homeowners or renters.

For more information on Home and Contents insurance, please visit the product page.

You should tell Allianz immediately if during the period of insurance your building is in the course of construction or there are any alterations, additions, demolition, repairs to, or decorations of the buildings costing more than $75,000. If you don’t, Allianz may not pay a claim in whole or in part under the policy to the extent permitted by law.

When Allianz receive this information, we may:

  • propose changes to the terms and conditions of your policy
  • charge you a higher premium
  • cancel your policy
  • decide not to offer to renew your policy.

It is also important that you increase your sum insured to take into account any extensions or renovations to make sure you are adequately covered in the event of a home insurance claim.

1300 Insurance will consider your home is unable to be lived in when it is so damaged that normal domestic activities like cooking, sanitation and personal hygiene cannot take place, and we agree that you cannot live in the home.

It’s up to you to decide the sums insured, and the type and level of cover that you want to take out. People generally want enough insurance to cover the property’s estimated replacement value. If you don’t have enough cover, you could end up having to cover some of the costs yourself.

Remember, 1300 Insurance Landlord Insurance will only pay up to the amount of your loss or the sum insured, whichever is the lesser - so you should also be careful not to over insure.

The replacement value of your buildings is not the same as the market value – you do not need to include the value of the land when calculating the buildings replacement value.

You can apply to add these options to your policy when you start or renew it (or during your period of insurance by contacting 1300 Insurance on 1300 467 872). If you’re not sure whether you have added these cover options, you can check your policy schedule.

To help you estimate the replacement value of your buildings and/or contents, you can use our Home Buildings and/or Home Contents replacement calculators.

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