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Back to topI've just looked into the detail of 18 landlord insurance policies. There's quite a bit of difference in terms of what insurers will and won't cover you for. That's why it's really important you spend some time reviewing your options carefully. For example, very few insurers will automatically include cover for rent defaults made by tenants. In 15 of the 18 policies I analysed, you'd need to pay more to add this on to your policy.
James Martin
Finder's insurance editor
Learn more about
landlord insurance
Our landlord insurance guides can help you compare and understand what cover option is right for you.
Best landlord insurance
Our experts select the top landlord insurance policies you should know about
How much does landlord insurance cost?
See average costs and what affects the cost of cover
Rent default
Find out how rent default works. Plus, how it differs from loss of rent
Granny flat insurance
What to know if you're thinking of renting out your granny flat
What does landlord insurance cover?
Tips to save on landlord insurance
Shop around
Landlord insurance costs are rising. However, you don't need to just accept price increases by auto-renewing your policy. When your renewal date approaches, shop around. You may be able to find a cheaper deal without losing the cover you rely on.
Take advantage of sign-up discounts
Landlord insurers like to offer sign-up discounts to get you on board. Some can genuinely save you a lot of money, such as 15% off your first year. If you want to continue saving though, you can keep switching every 12 months. After all, a great deal today may not be so great next year.
Increase your policy excess
This is how much you need to pay to contribute to the cost of a claim. All landlord insurance policies have them, but they vary greatly (from $100 to as much as $5,000). Most providers will let you increase your excess in return for cheaper premiums. There's downsides though – making a smaller-value claim may not be worth it. Also, you'll have to pay more upfront at claim time.
As with any type of insurance, you take it out for your own safety. Fortunately, I've never had to make a claim on my policy. The cost hasn't changed for me that much in recent years. But that's a moot point anyway: I'd never go without landlord insurance due to the peace of mind it brings.
- Alan Lee, owner of 2 investment properties in Sydney.
Landlord insurance deals
Remember the exclusive deals and sign-up offers we mentioned? We put together a list of them below to help you save:
| Store | Discount | |
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30% online discount on new home and contents landlord insurance Save 30% on your first year's premium when you purchase a new combined home and contents landlord insurance policy cover online. T&Cs apply. Last verified |
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Buy online and save up to 5% on a Seniors Landlords Insurance policy with Australian Seniors The discount will apply to the first 12 months of your Seniors Landlords Insurance policy. The discount will be reapplied for 12 months each time your Seniors Landlords Insurance policy is renewed. T&Cs apply. Last verified |
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Get up to 20% off your first years’ premium with QBE Landlord Insurance Discount is made up of a 10% online discount, and a further 10% for buying a combined policy. T/Cs apply. Last verified |
Read our landlord insurance reviews
Here are some of the insurers that offer landlord insurance in Australia:
If the brand you're looking for isn't here, check out our full landlord insurance directory.
Frequently asked questions
This article was reviewed on 18 May 2023 by James Martin. James is the insurance editor at Finder and he's written on a range of insurance and finance topics for over 7 years.
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