Landlord Insurance
Renting your investment property? Cover your investment for storms, floods, fire, theft and more.
What is Landlord Insurance?
St.George Landlord Insurance, provided by Allianz, covers your investment property’s structures, fixtures and built-in appliances like hot water systems and air-conditioners. You can even cover items that you have provided for your tenants like furniture, carpet, appliances – and the BBQ.
Why St.George?
One less step
Sort out your insurance and banking together.
Flexible payment options
No extra cost to pay by the month to help with your budget.2
All in one place
See your insurance policies next to your bank accounts in the App.1
Comprehensive cover
Insure your investment property for storm damage, floods and bushfires.*
Cover for the big and small events
- Flood
- Fire or smoke inc. bushfires
- Lightning
- Storm, cyclone, rainwater or run-off
- Impact damage
- Riot or civil commotion
- Earthquake or Tsunami
- Theft or burglary
- Water or liquid damage
- Explosion
- Vandalism or malicious damage
- Accidental breakage of glass or ceramic items
Affected by severe weather?
If you’re a St.George Home Insurance customer impacted by severe weather and need help with a claim, call the specialist St.George team at Allianz on 1300 655 489 or submit a claim online.
Benefits for you
Additional benefits
The additional benefits depend on the Landlord Insurance cover you choose, this may include covering rental costs after an insured event, debris removal, and professional fees if you need to rebuild.
Cover for rental default and theft
For an additional premium, you can choose to add cover for rent default and theft by a tenant.
Simple online quote
It’s easy to get a quote and find out how much you’ll pay each month.
Already started a quote? Retrieve your quote
Tools and calculators
Calculators are intended as a guide only.^
Help me choose
Use our cover selector to help you find the insurance that’s right for you.
Building calculator
Estimate the cost to rebuild your house.
Contents calculator
Estimate the cost to replace the contents you provide for your tenants in your investment property.
The details on what’s covered
Some of the key things you should know about your cover.
For full details, of the terms, conditions, limits and exclusions that apply please read the Product Disclosure Statement (PDS) (PDF 1MB) and the Landlord Building and Landlord Contents Key Fact Sheets (KFS) before making a decision to purchase the insurance.
Frequently asked questions
Are there any exclusions?
All insurance policies have exclusions, and these vary depending on the type of cover you choose. For a summary of the exclusions, conditions and limits that may apply to Landlord Insurance, read the Understand my cover section.
How can the condition of my investment property affect my cover?
It is important to keep on top of your property repairs to ensure little things don’t become a bigger issue down the track. For example, if a storm caused water damage to your ceiling, you may not be fully covered if the water entered because the roof was not properly maintained.
Do I need to tell Allianz if I’ve installed or removed an alarm system?
Yes. Altering the security on your investment property may change the conditions of your Landlord Insurance, which could affect your premium. You should call Allianz as soon as you remove or stop using any security devices that were specifically required under your policy. If you don’t, let them know, and you need to make a claim, your claim may be declined or reduced.
Do I need to let Allianz know about any renovations to my investment property?
Yes. You should let Allianz know before work commences if the building alterations, additions, demolition, repairs, or decorations are over $75,000. If you don’t, let them know, and you need to make a claim, your claim may be declined or reduced.
You should also consider increasing your sum insured to include the cost of any extensions or renovations to make sure you are adequately covered if you need to make a Landlord Insurance claim.
Important information
*72-hour exclusion period may apply. Allianz doesn’t provide cover for any loss of or damage to your property caused by cyclone, flood, grassfires and bushfires, during the first 72-hours after you first purchase a policy or increase your cover under an existing policy. For full details of conditions and exclusions please refer to the relevant PDS.
^The Building and Contents calculators, provided by Allianz through a third-party provider, are intended as a guide only. For a more accurate rebuilding or replacement cost, consider obtaining a professional valuation from a licensed builder or professional valuer.
1Policy holders need to ensure their personal details on their policy match with their St.George accounts. Only primary policyholders can see policies alongside their other St.George accounts.
2Instalment premiums: If you choose to pay your premium by instalments you do not pay any more than if you pay your premium in one lump sum annually. The premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding. Note: Your financial institution may apply transaction fees to instalment payments.
For the standard terms, conditions and exclusions about Home & Landlord Insurance, please refer to the relevant Product Disclosure Statement (PDS) and any supplementary PDS (if applicable). To see some of the events covered and not covered, please refer to the Key Fact Sheets (KFS).
Landlord Insurance is issued by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). St.George – a Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 arranges the initial issue of the insurance under a distribution arrangement with Allianz, but does not guarantee the insurance. This information does not take into account your personal circumstances. Before making a decision, please consider the relevant Product Disclosure Statement. For more information call 1800 812 133.
If you take out Home and Contents or Landlord Insurance with Allianz the Bank will receive a commission of up to 12% of the premium, excluding Government fees and charges, plus GST.
A target market determination has been made for this product. Please visit https://www.stgeorge.com.au/tmd for the target market determination.
By selecting 'Get a quote' you will enter a third party site hosted by Allianz. Any personal information you provide to Allianz’s hosted site will be collected, used and disclosed in accordance with Allianz’s Privacy Statement and Privacy Policy.
St.George's Privacy Statement is available at stgeorge.com.au/privacy/privacy-statement or by calling 13 33 30. It covers:
- How you can access the personal information St.George holds about you and ask for it to be corrected;
- How you can complain about a breach of the Privacy Act 1988 (Cth) or a registered Code by St.George and how St.George will deal with your complaint; and
- How St.George collect, hold, use and disclose your personal information in more detail.