Landlords insurance
Landlords insurance helps give you broad protection and peace of mind for your investment property.
Emergency repairs, no hassle
After a covered incident, CGU will help organise repairs so the property is safe and liveable again.*
Protection for most property types
Whether you’ve bought a house, townhouse, unit, flat, terrace house or even a unit in a retirement village, CGU can cover you.*
Optional extras
Don’t worry about theft by tenants – include cover as an optional extra instead.*
Find protection to help provide cover as a landlord
Building and contents
The most extensive type of landlord insurance through P&N Bank, 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
Buildings cover
Unfurnished property? You can get 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
Contents cover
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
This is only a summary, see everything that is and isn’t covered in the Product Disclosure Statement (PDS).
Your landlords insurance questions answered
Landlord's Contents Insurance generally does not cover plants and trees, animals, clothing and sporting equipment, among other things.
Policy terms, conditions, limits and exclusions apply.
View the Landlord Insurance Product Disclosure Statement for a full list of non-covered items.
When you rent out your property there is always the risk of loss or damage occurring. Landlords insurance can help provide you cover for accidental loss or damage to your buildings and/or contents.
The level of cover you have will vary depending on the type of Landlords insurance policy you choose, from:
- Building and Contents cover,
- Buildings cover, or
- Contents cover.
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.
The most we pay for each rental agreement or periodic tenancy agreement is $5,000 less any bond and excesses. An additional excess may apply.
If you have Landlords Insurance, accidental damaged caused by your tenant’s pets is covered through P&N Bank up to the value of $2,500.
View the Landlords Insurance PDS for full details.
As long as you take out Buildings and Contents or Buildings cover for your landlord's insurance then, yes, the building is covered. This means that if a storm, fire, landslide, bungled burglary or other listed event causes damage to your property, you'll be covered.
You can find out what types of buildings we cover and what the building is covered for, in the Landlords Insurance Product Disclosure Statement (PDS).
Important information
*Underwriting criteria, policy terms, conditions, limits and exclusions apply. Please see the Product Disclosure Statement 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 (TMDs).