Landlord Insurance

Landlord insurance is designed to provide cover for 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:

• Fire
• Flood
• Storm
• Tenant theft
• Vandalism
• 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:

• Fire
• Flood
• Storm
• Vandalism
• Theft.

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 you have either fully or partially furnished your rental property and you want to cover your contents that are for your tenants use, 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.

Read the PDS for full details including limits, exclusions and conditions that apply.

The cost of landlord insurance can depend 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 any options, such as rent default cover
• The basic excess you choose (consider 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.

Head to our home insurance claims page to make a claim online or call us 24 hours a day on 133 723.

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 the buildings at your rental property, which includes cover for 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 that is not under a landlord policy can cover your property and its fixtures and fittings, but won’t insure your home contents, and generally won’t cover properties that are rented out.

QBE Landlord Insurance can provide cover for unoccupied periods between tenants for up to 90 consecutive days. For longer untenanted periods, get in touch with us to discuss your options.

If you own a 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.