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Landlord contents insurance protects the items you own and keep at your rental property. If they're damaged or destroyed by an insured event, such as a fire, storm or malicious damage by your tenant, it can pay to repair or replace them.
It's designed to help you avoid a hefty replacement bill if you're the landlord of a furnished property and the contents get damaged.
Most insurers offer new for old replacement. This means they will pay you for the cost of a new item, not your item's current value.
For example, fires (including bushfires) storms, rainwater, floods, escaped water and lightning.
Even if you have an unfurnished rental, you might still need contents cover. Items like carpets, blinds, some air conditioning units and white goods such as washing machines are generally included in contents insurance. If your property is ruined by a natural disaster, insurance can replace all of these furnishings and fittings.
Carpets
Appliances such as white goods
Blinds and curtains
Landlord contents insurance covers the items you own and keep at the property. If an insured event occurs, it can cover:
Landlord contents insurance doesn't cover:
Make sure you take out landlord contents insurance before bad weather like a flood, storm or bushfire has become a known event. As soon as it's recorded by the BOM or on the news, you won't be able to make a claim for damage related to that event.
Rent default and loss of rent are 2 different features of landlord insurance you might need.
Compare landlord insurance policies and get covered for the things that matter to you.
Get plain English explanations of what is and isn't covered by landlord insurance.
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Your landlord insurance can only help in certain circumstances. Here's where.
Your guide to landlord insurance in South Australia.
Your guide to landlord insurance in Victoria.
Your guide to landlord insurance in Western Australia.
