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SGUA landlord insurance

SGUA landlord insurance: cover for your investment property, holiday home or unit.

Gary Hunter
Gary Hunter

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SGUA is a niche market underwriter that specialises in providing residential landlord insurance. It is based in Australia and has been around since 1991. Its products are supported by Hollard Insurance Company, one of Australia's leading insurance businesses. Read on to find out what landlord insurance products it offers.

warningSome landlord insurance policies have temporarily removed benefits such as rent default and a few others because of the pandemic. Make sure to check this with the insurer before deciding on a policy.
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SGUA landlord insurance policy

Here are the landlord insurance products SGUA offers:

Landlord Protection

This can cover you for the building only, contents only, or both. You can get covered for insured events including fire, explosion or lightning, earthquake and tsunamis, theft and more. There is also an SGUA Landlord Value Plus option which includes cover for accidental damage and more.

Holiday Home

SGUA also offers insurance for your holiday home, ideal for those who rent out their holiday home throughout the year. This can cover you for events including fire, storms, water damage and more. You can also insure the contents of your holiday home.

Holiday Unit

This is contents insurance tailored to those whose holiday unit is already insured by an owners corporation or strata. This can include carpets, blinds, curtains, furniture, white goods and more. You'll be covered for water damage, glass breakage, fire, theft and more.

SGUA policy benefits

Check out the table below for an overview of what you'll be covered for with each individual SGUA policy.

Building - Insured eventsLandlord ProtectionHoliday HomeHoliday Unit
Fire, explosion or lightning

Earthquake and tsunami

Theft

Water damage

Glass breakage

Malicious damage

Accidental damage

Storm

Flood

Impact

Riot or civil commotion

Electrical breakdown / fusion

Temporary removal

Fees

Underground services

Contents - Insured eventsLandlord ProtectionHoliday HomeHoliday Unit
Sum insured

Nominated sum insured

Nominated sum insured

$30,000

Fire, explosion or lightning

Earthquake and tsunami

Theft

Water damage

Glass breakage

Malicious damage

Accidental damage

Storm

Flood

Impact

Riot or civil commotion

Electrical breakdown / fusion

Loss of rental income

Optional

Optional

Temporary removal

Fees

Underground services

Damage and theft by tenants - Insured eventsLandlord ProtectionHoliday HomeHoliday Unit
Deliberate damage

Building sum insured (if taken) or $50,000

Building sum insured (if taken) or $50,000

$50,000

Theft

Up to the building sum insured

Accidental damage

Scorching

Garbage removal

Building - Insured eventsLandlord Protection
Fire, explosion or lightning

Earthquake and tsunami

Theft

Water damage

Glass breakage

Malicious damage

Accidental damage

Storm

Flood

Impact

Riot or civil commotion

Electrical breakdown / fusion

Loss of rental income

Optional

Temporary removal

Fees

Underground services

Contents - Insured eventsLandlord Protection
Sum insured

Fire, explosion or lightning

Earthquake and tsunami

Theft

Water damage

Glass breakage

Malicious damage

Accidental damage

Storm

Flood

Impact

Riot or civil commotion

Electrical breakdown / fusion

Loss of rental income

Optional

Temporary removal

Fees

Underground services

Damage and Theft by Tenants - Insured eventsLandlord Protection
Deliberate damage

Building sum insured (if taken) or $60,000

Theft

Up to the building sum insured

Accidental damage

Scorching

Garbage removal

SGUA landlord insurance excesses

An excess is a specific payment that you're required to contribute whenever you make a claim. SGUA will inform you what excess you will need to pay when you make a claim and when. The table below gives you an outline of the excesses that you're likely to pay when you make a claim.

Landlord ProtectionHoliday HomeHoliday Unit
Building$300$300No
Contents$300$300$100
Loss of rent$0$0$0
Deliberate damage by tenant$0NoNo
Theft by tenant$250NoNo

How to submit an SGUA landlord insurance claim

Before you submit your claim, make sure you've taken all reasonable steps to prevent further loss or damage. Contact the police as soon as possible if there has been a theft or attempted theft or damage was caused by an intentional act. You can lodge your SGUA landlord insurance claim online or get the process started by calling 1800 355 559. The following claim forms are available on the SGUA website:

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