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Personal insurance
Landlord insurance
A rental property can be a great asset, but having a rental can come with some challenges and sometimes unwanted surprises. Insurance for landlords is essential when renting out investment properties.
With landlord insurance, you can protect yourself against damage caused by tenants, loss of rental income and yourself with landlord liability cover.
Our Brokers work with you to make sure you fully understand how landlord insurance works and what you’re insured for. If a claim occurs, they'll also go into bat for you, advocating for settlement of a claim on your behalf.
Landlord insurance can cover the following risks associated with owning a rental property:
Cover for accidental damage
If your rental property is accidentally damaged and your tenants can’t live there, we’ll ensure the rent is covered while the damage to your rental property is repaired.
Home insurance cover
Cover for damage caused by specific events, including fire, burglary, collision by a vehicle, natural disasters, storms or floods. We can also organise cover for malicious damage, vandalism or theft by tenants or their guests
Contents cover for landlords
If your tenanted property is fully or partially furnished, insurance cover for landlord’s furnishings can be set at an agreed amount. We can organise either indemnity or replacement cover.
Loss of rent
If your tenants leave without giving notice, we can arrange for cover for loss of rent. We’ll also arrange cover if you need to evict your tenants.
Decontamination and repair
If for example, illegal drugs mean your house requires decontamination, we can cover you for the costs of discovering the contamination and any clean ups required before the building is fit for living in again.
Landlord liability insurance
We can protect you in case of damage to third party property as a result of something that happened at your property, eg. a fire spreading to neighbouring property.
