The property you let
Identify your building interest, fixtures and landlord-owned contents. In a strata property, check what the scheme insures before deciding what remains for your own policy.
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Landlord Insurance
Insurance for a rental property should reflect the building, the belongings you provide and the tenancy itself. Protecting rental income involves more than one type of risk, so the cause of a loss matters.
Who it is for
Owners letting residential property and reviewing their property and rental interests.
Explore the cover
These are areas to discuss, not an automatic inclusion list. Available sections and cover depend on the selected wording and schedule.
Damage and loss of rent
An insured property event can make a home unavailable to rent. The loss-of-rent section needs a defined trigger and indemnity period; it is different from a tenant simply failing to pay.
Tenant-related risks
Malicious damage, accidental damage by tenants and rent default can receive different treatment. Check whether each is selected, what evidence is needed and how excesses or payment limits operate.
Changes to the letting
Short stays, extended vacancy, renovations or a different tenancy arrangement may change the insurance requirements. Keep the lease, rent records, inspections and property-management details available.
Information for quotations
Provide property and tenancy details, letting pattern, furnished items, management arrangements, rental income, vacancy periods and loss history.
Limitations and exclusions to discuss
Discuss tenant-related damage, rental loss, insured events, waiting periods, exclusions and strata interests against the actual terms.
Frequently asked questions
Does a change from owner occupation to letting matter?
Yes. The property use and tenancy change the information behind the arrangement. Review the proposed policy for that use.
Does strata insurance replace the landlord’s own enquiry?
No. The scheme’s property and the owner’s contents or rental interests may differ and need separate review.
Let’s talk about what matters to you.
Tell us about your home, possessions and plans, and the questions you would like help with.