Important Notice
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.
All covers include
Damage from flood, storms1, earthquake, lightning, fire1, impact, explosion
Up to $20 million in legal liability for compensation for injuries to visitors and damage to their property
Automatic safety net in case repair or replacement costs are higher than expected2
Theft3, riot, civil commotion and malicious acts
Emergency repairs and protection
Choose from 2 levels of cover
Essential Care
Safety Net
Up to 10% of the sum insured
Building laws and regulations
Up to 10% of the sum insured to cover costs incurred to comply with specified laws and regulations following the destruction or partial destruction of your building
Demolition and removal of debris
Up to 10% of the sum insured
Quality Care
Safety Net
Up to 20% of the sum insured
Building laws and regulations
Up to 10% of the sum insured to cover costs incurred to comply with specified laws and regulations following the destruction or partial destruction of your building
Demolition and removal of debris
Up to 10% of the sum insured
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Cover Limits
- Rainwater tanks and solar heating: Up to $3,000 in total
- Landlord fixtures and fittings: Up to $20,000
- Replacement of locks and keys: Up to $1,000
Other limits and exclusions apply.
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Extra Benefits
✓ Accidental breakage of glass
✓ Electrical motor burnout
Limits and exclusions apply.
In general, damage or loss caused by wear and tear or failing to maintain your property are not covered under Landlord Building and Contents Insurance.
Take a look at the Landlord Insurance Product Disclosure Statement (PDF 426KB) for full terms and conditions, including limits and exclusions.
Optional Landlord Extras4
- Malicious acts or theft by tenants
- Loss of rent due to default by tenants (but not for casually let properties).
Please note, Landlord Extras may not provide cover if your tenant is unable to pay their rent due to COVID-19 circumstances. - Damage caused by pets
Important information
We’re not currently offering Landlord Extras cover to new or existing Landlord Insurance customers.
Chance to win a $500 Bunnings gift card
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+
- Offer ends 13 September 2020
Important Information
Before making a decision, please read these documents to ensure you’re aware of all fees and charges.
Building Calculator
It's up to you to determine how much it would cost to replace your property and it can be complex to accurately calculate these replacement costs. Use our Building Calculator to estimate your replacement costs at today’s prices.
The Building 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.
Offer & Benefits
Save 15% online*
Quote and buy online to save 15% off your annual premium for the first year with promotional code COVER.*
Payment Flexibility
You can pay for your cover monthly or yearly - whatever suits you.^
Simple claims process
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.
Important information
Cover is subject to your application for insurance being accepted.
Product Disclosure Statements (PDS)
Landlord Insurance Product Disclosure Statement and Supplementary Product Disclosure Statement (PDF 426KB) (applicable to policies issued or renewed on or after 1 July 2019)
Landlord Insurance Product Disclosure Statement (PDF 384KB) (applicable to policies initially issued in the period between 30 June 2018 and 30 June 2019; or renewed in the period between 30 July 2018 and 30 June 2019)
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.
+ 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 full terms and conditions (PDF 127KB). 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 Product Disclosure Statement (PDF 382KB) to see if this insurance is right for you. (C) St. George Bank
* Quote and buy online to save 15% off your annual premium for the first year with promotional code COVER.
1 Under Essential cover Storm cover excludes damage to gates, fences, and freestanding walls. Fire cover excludes damage caused by smoke where there was no flame at the site
2 Safety net of between 10% and 20% of your sum insured, depending on your type and level of cover.
3 Under Essential cover, theft is only covered if the theft occurs from inside a fully enclosed locked building and only where there is evidence of forced entry. Under Quality cover, theft is covered if the theft occurs from a fully enclosed and lockable building at the site, and for up to $2,000 in the open air.
4 A Landlord Extras claim will only be paid if you’re able to provide certain documents and evidence such as:
- A written rental agreement
- A documented booking confirmation (for casually-let properties)
- Documented property inspection reports.
The rental agreement should state the term of the lease, the amount of rent and bond payable by the tenant/s.
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.