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Landlords insurance
Landlord Building, Contents & Landlord Extras
Whether your property is casually let or on a long-term lease, you want to be sure your investment is protected. A range of protection options have been designed specially for landlords.
There are two levels of cover that landlords can choose from for building and/or contents:
- Essential Care – a basic level of cover that protects your investment property against loss or damage
- Quality Care –protects your property from a wider range of events, with additional benefits
Landlord Extras - to give your property added protection, you can also choose Landlord Extras in addition to your Essential Care or Quality Care cover. It offers added protection against unruly tenants, covering theft and malicious damage by tenants to your building and/or contents, loss of rent and legal expenses due to tenant default.
The table below compares the range of cover available to landlords.
| Key Benefits | Essential Care | Quality Care | Optional Landlord Extras cover (taken in addition to Quality or Essential Care) |
| Fire, storm, flood, burglary, and malicious acts | Yes | Yes | N/A |
| Electrical motor burnout | No | Motors up to 15 years | N/A |
| Accidental breakage of glass | No | Yes | N/A |
| Legal liability cover | $20 million | $20 million | N/A |
| Landlord fittings (light fittings, carpets and window coverings) under building insurance | No | Yes, up to $20,000 | N/A |
| Loss of rent if the home is unliveable following loss or damage up to 12 months | No | Yes, up to 10% of the sum insured | N/A |
| Malicious acts by your tenant | No | No | Yes, up to the building and/or contents sum insured |
| Theft by your tenant | No | No | Yes, up to the building and/or contents sum insured |
| Loss of rent due to tenant default | No | No | Yes, up to $1,000 per week for up to 10 weeks |
Landlord Protection Insurance
If you don’t need standard building or contents cover or if you are a strata, group or community title investment property owner, Landlord Protection is available as stand-alone insurance. This separate cover protects your landlord building against malicious acts and theft by your tenants as well as loss of rent under a written agreement.
Important information
The Landlord Home and Contents insurance Product Disclosure Statement is important and we encourage you to read, save and/or print it. If you would like a paper copy, please call 13 33 30.
If you need to make a claim, call us on 1300 655 489, 24 hours a day, 7 days a week. Or download a claim form here.
For more information about the policy and the discounts that may apply to you, call us on 13 33 30 and say “new house insurance” when prompted, 9am – 8pm Monday to Friday.
Home and Contents Insurance is issued by Westpac General Insurance Limited, part of the St.George group of companies. The Bank receives a commission of up to 20% of the premium (exclusive of government charges) when we arrange for the issue of Home and Contents Insurance. The advice on this webpage has been prepared without taking into account your personal objectives, financial situation or needs. Before applying for insurance, you should consider the Product Disclosure Statement (PDS) to see if it’s right for you.
