Landlord Insurance

If you own a rental property such as a house or unit, it’s important to protect your investment and income. We can help give you confidence knowing your investment property is protected with Landlord Insurance.

Protect your investment.

We offer a flexible range of excess levels and payment options to suit the needs of landlords.

Safeguard your property and enjoy up to $10 million legal liability protection.

Plus, enjoy further peace of mind with our Rent Default and Theft by Tenant optional covers.

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With Landlord Insurance arranged by Auswide Bank, you can enjoy:

  • A simple online ‘quote to buy’ process or you can easily talk to us direct to discuss your needs
  • Competitive premiums
  • Flexible payment options including ‘pay-by-the-month’ via direct debit (with no additional policy fee^)
  • Easy 24 x 7 claims service
  • The ability to increase your excess to reduce your premium~

Landlord Insurance includes:

  • Cover against accidental breakage of glass, earthquake, explosion, fire or smoke, impact damage, lightning or thunderbolt, riot or civil commotion, storm, rainwater or run-off, theft, burglary or housebreaking, tsunami, water or other liquid damage
  • Up to $10,000 contents cover when building cover only is purchased
  • Flood cover is available for eligible addresses.
  • Legal liability up to $10 million
  • Replacement of locks and cylinders up to $500
  • Fusion of fixed electrical motors
  • Professional rebuilding fees and removal of debris following damage
  • Automatic annual adjustment of sum insured
  • Reinstatement of sum insured after loss

Optional rent default and theft by tenant available:

Default in rent Lesser of: 15 weeks rent or $10,000 or until payment of rent recommences
Departure without notice Lesser of: 6 weeks cover or $10,000 or until rent payments recommence
Death of sole tenant Lesser of: 6 weeks rent or $10,000 or until another tenant takes up residence
Tenant hardship Lesser of: 6 weeks rent or $10,000 or until another tenant takes up residence
Theft by tenant Covered up to the buildings and/or contents sum insured
Malicious damage by tenant or other persons Covered up to the buildings and/or contents sum insured
Legal expenses Up to $3,000 for expenses relating to rent default or theft by tenant claims.

This information is a summary of features & benefits only - full details of the actual cover, limits, exclusions and excesses are available in the relevant Product Disclosure Statement. We do not provide advice about this product based on any consideration of your personal objectives, financial situation or needs. To decide if it is right for you please carefully read the relevant Product Disclosure Statement.

Insurance is issued by Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850 AFSL 234708. In arranging this insurance Auswide Bank Ltd (Auswide Bank) ABN 40 087 652 060 AFSL 239686 acts as an agent for Allianz and not as your agent. If you buy Allianz products, Auswide Bank may be paid commission. To help you make an informed decision about whether to acquire an Allianz insurance product through Auswide Bank you should read our Auswide Bank Financial Services Guide.

From time to time, promotional or other discounts may be available for customers. Any discounts/entitlements only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. Discounts are available at the time of printing and are subject to change without notice. Discounts may not be applied to any flood component of the premium (if applicable).

^ Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding. If debiting from a non-Auswide Bank account - the other bank may charge fees.

~ May not be available if an imposed excess applies.