BSB 806 015

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BSB 806 015

Landlords Insurance

Landlords insurance helps give you broad protection and peace of mind for your investment property.

Get a quoteMake a claim

Emergency repairs

After an incident, we’ll help organise repairs so the property is safe and liveable again.*

Optional extras

Don’t worry about theft by tenants, when you could include cover as an optional extra.*

Cover for damage

We provide extensive cover for a wide range of issues.*

Find protection to help provide cover as a landlord

Building and contents

━ Comprehensive cover ━

Our most extensive type of landlord insurance, and a good option to help keep your investment property and its contents safe.

Residential building protection
Garages and sheds
Infrastructure for services
In-built swimming pools and spas
Furniture
Appliances 
Carpets and curtains

Get a quote

More information

Buildings cover

━ Cover for structures ━

Unfurnished property? We offer cover for just the property, plus any other buildings on your property.

Residential building protection
Garages and sheds
Infrastructure for services
In-built swimming pools and spas
Furniture
Appliances
Carpets and curtains

Get a quote

More information

Contents cover

━ Cover for contents ━

If your building already has insurance from an owner’s corp and you just want to cover your contents.

Residential building protection
Garages and sheds
Infrastructure for services
In-built swimming pools and spas
Furniture
Appliances
Carpets and curtains

Get a quote

More information

Need to make a claim?

You can make a claim by contacting our partner CGU's 24/7 claims team on 13 24 80.
Find out more.

Home or motor vehicle claims can also be made online by visiting the CGU Insurance claims page.

Make a claim

Frequently asked questions

  • What is Landlords insurance and what does it cover?

    Landlords insurance is a type of insurance that can help provide cover for accidental loss or damage to the buildings, structures or contents inside a rental property. Depending on the property and the type of insurance required, there’s a range of insurance options that a landlord can purchase.

    Typically, a Landlords insurance policy helps provide cover for accidental loss or damage to the buildings and/or contents that make up a rental property. The level of cover you have will vary depending on the type of Landlords insurance policy you choose. The options we offer are Building and Contents cover, Buildings cover, and Contents cover. You can also add optional extras to our policies that can help protect against loss of rent for up to 12 months, rent default and theft by a tenant, liability, and workers’ compensation.

  • Is Landlords Insurance expensive?

    The cost of Landlords Insurance can differ based on many factors such as the type of cover requested, the type of dwelling, year of construction, length of tenancy and more.

    The price of your Landlords insurance is also based on the likelihood of a claim being made on your policy in the future and can therefore vary. There are several factors we consider when calculating your premium.

    We calculate your premium by combining the:

    • Pricing factors
    • Policy options
    • Minimum and maximum premium
    • Government charges
    • Any discounts you’re eligible for

    To find out more about how we work out your premium, have a look at the relevant Product Disclosure Statement.

    To find out how much Landlords insurance would cost you, get a free quote through P&N Bank today.

  • What type of insurance do landlords need?

    There are multiple types of Landlord insurance policies that landlords can choose from depending on their concerns and financial situation. The three main types of Landlord Insurance include Building and Contents cover, Buildings cover, and Contents cover. Building and Contents insurance is the most comprehensive Landlord Insurance policy we offer.

    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, legal liability cover, and workers compensation cover.

    As there is a risk of loss or damage to your property when renting out your property, if you don't have Landlord Insurance you may be liable to pay all costs for repairs, should damages occur.

  • Is Landlord insurance different to Building insurance?

    In short, yes, it is. Landlords insurance includes the option to cover landlord-specific problems and insured events such as loss of rental income for up to 12 months, theft by a tenant, and damage caused by a tenant to a property, whereas Building insurance simply provides residential building protection.

Important information

*Underwriting criteria, policy terms, conditions, limits and exclusions apply. Please see the PDS for full details.

Police & Nurses Limited (P&N 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.

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