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Why choose QBE Landlord Insurance?
We've been awarded CANSTAR's 2021 Innovation Excellence Award thanks to how simple it is to get a quote online.
We’ve been insuring Australians for over 130 years.
Owning and renting out a rental property comes with its fair share of risks. Landlord insurance provides cover for the cost of repairs or replacement of your property and/or contents in the event of storms, fire, theft, flood, tenant theft, vandalism and more. We also provide cover for loss of rent if your rental property is unliveable due to damage by an insured event.
Whether you’re after cover for your rental property only or your rental property and your contents, we’re here to help. Compare options below and get a landlord insurance quote online in minutes.
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What’s included in landlord insurance cover?
Landlord insurance covers your rental property and, if it’s furnished, you can cover your contents too.
The table below shows some of the Standard features of QBE Landlord insurance. Read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) for full details including limits, exclusions and conditions that apply.
|Standard features||Buildings and contents||
Buildings cover only
Contents cover only
|Cover against damage or loss caused by storms, fire, theft, flood and more|
|Malicious damage or theft by your tenant or paying guest|
|Up to $30 million legal liability cover|
|Accidental damage cover caused by you, your tenant or paying guest|
|Electrical motor burnout cover|
|Emergency temporary repairs|
|Buildings Sum Insured Safeguard benefit (eligibility criteria applies)|
|Loss of rent after an insured event if your property is unliveable||Strata lot owners only|
|Temporary storage of contents|
|Mortgage discharge cost|
We’ve been awarded CANSTAR’s 2021 Innovation Excellence Award for our simplified home insurance solution, thanks to our online quote and buy platform.
For the third year running we’ve been named by finder.com.au as Australia’s Green Insurer of the Year. We're honoured to receive this recognition. A big thank you to our customers, people and partners for helping us enable a more resilient planet. Find out more about our awards.
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Revealed: most common and costly landlord insurance claims
Severe weather and leaky pipes are the biggest headaches for Australian landlords and are the cause of far more insurance claims than tenants failing to pay the rent.
Liability cover: the little-known benefit included in your home insurance
Landlords are entirely responsible for the property they lease to tenants, which means you may be legally liable if a tenant is injured inside.
Home and contents insurance calculators
You can use these calculators to estimate roughly how much it would cost to rebuild your home or replace your contents. By providing general information about your home the calculators can provide an estimated value and summary that you can further edit for a more detailed result if you wish.
Landlord insurance frequently asked questions
Landlord insurance is designed to provide protection against the risks of owning a rental property. Landlord insurance policies can cover costs incurred as a result of damage or loss due to events like:
- Tenant theft
- And more.
With QBE, you can choose to cover your rental property only, your contents only, or both.
Our Landlord Insurance policy provides cover for the cost of repairs and replacements due to events such as:
QBE Landlord Insurance also includes things like:
- Accidental damage cover caused by you, your tenant or paying guests
- Vandalism, malicious acts or theft by tenants or paying guests
- Damage by a tenant’s pet
- Up to $30 million legal liability cover
- Clean up due to illegal drug activity
- Electrical motor burnout cover
- Loss of rent after an insured event if your property is unliveable
- And more.
Find out more by reading the QBE Landlord Insurance policy documents.
If your rental property is either furnished or partly furnished and you want to cover your contents you can select contents cover.
This can help to cover your contents in case of events such as malicious damage or theft by tenants, or accidental damage by you or your tenants.
Landlord contents cover can also be useful for strata-lot owners who want to cover fixtures within the property that the body corporate is not required by law to insure.
The cost of landlord insurance depends on a number of factors, such as:
- How much cover you choose for your rental property (sometimes called your ‘sum insured’)
- Whether your policy has the optional rent default cover
- The basic excess you choose (Be sure to pick a basic excess you can afford to pay at short notice if you need to make a claim)
- Your claims history
- Location of your rental property
- Characteristics of your rental property.
The easy way to compare landlord insurance and see how much it may cost you is to get a quote.
This all depends on your circumstances and how much cover you need. At QBE, we offer a range of landlord insurance choices:
- Buildings cover: Cover for your rental property and permanent fixtures
- Contents cover: Cover for the contents in your rental property that you have provided for your tenants to use as part of their tenancy
- Buildings and contents cover: Cover for your rental property and your contents.
If we agree, you can also add the rent default option for an additional premium.
Landlord insurance can cover your rental property and its fixtures and fittings and, if it’s furnished, you can cover your contents too. It can also include cover for loss of rental income and damage to your property by tenants.
Building insurance can cover your property and its fixtures and fittings, but not your home contents, and does not cover properties that are rented out.
I have rent default cover. Do I need to evict a residential tenant before making a claim for rent default during COVID-19?
Where landlord insurance policies include cover for rent default and a government moratorium on evictions applies, QBE will not expect a landlord to evict a residential tenant in order to make a claim where it is established that the tenant cannot fulfil their rental obligations due to financial hardship as a direct result of COVID-19.
I have rent default cover. If I renegotiate rent with a tenant during COVID-19, will that void my landlord insurance policy?
We understand there may be some public information circulating that suggests a landlord policy will be void if a landlord renegotiates rent with a residential tenant who cannot fulfil their rental obligations due to financial hardship as a direct result of COVID-19.
We wish to reassure our customers that a QBE Landlord Insurance policy will not be void in these circumstances and this will not prevent a claim for insured events, such as property damage.
If you own an rental property, you may be able to claim landlord insurance costs for your rental property for the period it was tenanted or available for rent.
Check with a tax adviser to find out whether you can claim a tax deduction for your landlord insurance costs.
QBE Landlord Insurance is issued and underwritten by QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239545). Any advice provided is general only and has been prepared without taking into account your objectives, financial situation or needs and may not be right for you. To decide if this product is right for you, please read the Landlord Insurance Product Disclosure Statement (PDS) and Target Market Determination (TMD).