Landlord Extras customers
Have you lost rental income as your tenant has been financially impacted by COVID-19 and cannot pay their rent? You may be able to claim under your Optional Landlord Extras cover, see the Landlord Extras COVID-19 claims FAQs to learn more.
Rent default cover
We’re not currently offering Landlord Extras cover, which includes cover for loss of rent due to default by tenants, to new or existing Landlord Insurance customers. There may be other insurance options available to suit your requirements; please refer to the Insurance Council of Australia for a list of alternative providers.
Property investment carries inherent risks - even with finding the right tenant. Landlord Insurance provides cover for a range of events, so you have less to worry about.
Read the Product Disclosure Statement for full terms and conditions, including limits and exclusions.
What is Building Insurance for landlords?
Building Insurance provides cover against damage to the property’s physical structure in an unexpected event. The cover extends to more than just a residential properties walls, and includes fixtures and fittings such as:
What is Contents Insurance for landlords?
Contents Insurance provides cover for your contents you make available to your tenants, such as:
How much does it cost to rebuild my property or replace my contents?
If your investment property is a strata unit or townhouse, your building insurance may be taken care of by the strata or body corporate and you should contact your strata board for any enquiries. However, if it’s a house, think about what it would cost to rebuild it today using the same type of materials and the same style of fittings and fixtures.
The Building and Contents calculators available through our websites are intended as a guide only. For a more accurate rebuilding cost, consider obtaining a professional valuation from a licensed builder or professional valuer.
Do I need to notify my insurer of any changes to my property?
Many Australians undervalue their assets when it comes to insurance, so it pays to keep your insurance up to date to avoid unexpected outcomes. It is wise to notify your insurer before or as soon as you become aware that your circumstances have changed because you might not be covered unless you notify your insurer. Some of the changes in circumstances that require notification include:
When you take out a new St.George Home Insurance policy;
You get a chance to win one of 50 Bunnings gift cards, valued at $500+
Quote and buy online to save 15% off your annual premium for the first year with promotional code COVER. Plus, 10% when you combine building and contents located at the same address under one policy.*
You can pay for your cover monthly or yearly - whatever suits you and at no extra cost.^
24/7 claims support available online and over the phone, we're there for you when you need us. One of our dedicated Australian claims managers will call you back if we have further questions.
Cover is subject to your application for insurance being accepted.
Product Disclosure Statements (PDS)
This information does not take your personal objectives, circumstances or needs into account. Read the relevant PDS(s) to see if this insurance is right for you.
^ Premiums payable by instalments may be subject to minor adjustments due to rounding, and financial institution transaction fees may apply.
* Quote and buy online and save 15% off your annual premium for the first year with promotional code COVER. Plus, save 10% when you combine building and contents located at the same address under one policy.
+ Promotion opens 3 August 2020 at 9am AEST and closes 13 September 2020 at 11.59pm AEST. Entry is open to all residents of Australia aged 18 years or over. Westpac Group employees are eligible to participate in this Promotion. To enter the promotion, entrants must during the Promotion period: submit an application for a St.George Home Insurance policy, issued by Westpac General Insurance Limited being any of Home and Contents Insurance; Building Insurance; Contents Insurance; Landlord Insurance; or Renters Insurance (each a “Policy”) by either: (1) Visiting www.stgeorge.com.au/personal/insurance/home-insurance and completing and submitting the application online; (2) In person by visiting any St.George branch and completing the application and handing to a St.George branch representative; or (3) Calling the St.George contact centre 13 33 30 and completing the application over the phone. The premium for the Policy must be paid for the year if paying yearly, or the first monthly instalment, if paying monthly, and the two-week Policy cooling off period passed to be an eligible entry and the Policy must be current at the time of the draw. In the event of the Policy having more than one policy holder, the Eligible Entrant will be the first Policy Holder named on the Policy. There are 50 Prizes. Each Prize consists of a Bunnings Gift Card valued at $500. Prize draw will take place at 11am AEDT on 2 October 2020 at 200 Barangaroo Avenue, Barangaroo. Winners notified in writing on 6 October 2020 and their names will be published in The Australian newspaper on 16 October 2020. Download . Promoter is St.George Bank – a Division of Westpac Banking Corporation ABN 33 007 457 14. Authorised under trade promotion permits: NSW Permit No: TP/83-NTP/43, SA Permit No: T20/839, ACT Permit No: TP 20/00976. Insurance issued by Westpac General Insurance Limited ABN 99 003 719 319 (WGIL) (except workers compensation cover where applicable). St.George distributes the insurance, but does not guarantee the insurance. St.George Bank, a division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. Policy terms, conditions, limits and exclusions apply. This information does not take your personal objectives, circumstances or needs into account. Please read the to see if this insurance is right for you. (C) St. George Bank
Landlord Insurance is issued by Westpac General Insurance Limited ABN 99 003 719 319 (except workers compensation cover where applicable). St.George – a Division of Westpac Banking Corporation ABN 33 007 457 141 (the Bank) distributes the insurance, but does not guarantee the insurance.