Finder makes money from featured partners, but editorial opinions are our own.

Compare landlord insurance

Landlord insurance can protect your investment properties, and contents, like kitchen appliances too.

Landlord Insurance

Key takeaways

  • Landlord insurance is different to regular building insurance because it can include landlord specific coverage, like loss of rent and malicious damage.
  • Landlord insurance can protect the building only, or you can opt for a contents policy too which would protect things like your oven, dishwasher and more.
  • There are ways to save on your policy. Either via discounts or other tips and tricks.

Compare landlord insurance policies

Name Product AUFHO-LAN Tenant Default and Damage Loss of Rent Accidental Damage Sum Insured Safeguard Cooling-off Period Cheapest way to pay
Youi Landlord Building and Contents Insurance

Optional

The reasonable rental amount for up to 12 months
20 days
Annually
Cover for investment property from fire, theft and numerous weather events.
Budget Direct Landlord Home & Contents Insurance

Optional

10% of the sum insured amount of your property
Optional
21 days
Annually
Save 30% on your first year's premium when you buy a combined home and contents policy online. T&Cs apply.
QBE Landlord Home & Contents Insurance
The lesser of: Up to 24 months of lost rent, or 20% of your sum insured amount
21 days
Annually
Get 10% off for buying a combined policy, plus an additional 10% in the first year for signing up online. T&Cs apply.
Qantas Landlord Home and Contents Insurance

Optional

10% of the sum insured amount of your property
Optional
21 days
Annually
Earn up to 40,000 Qantas Points with every Qantas Landlord Insurance policy you take out by 29 January. T&Cs and exclusions apply.
ANZ Landlord Home & Contents Insurance

Optional

Rental amount
21 days
Monthly or Annually
Domain Landlord Building & Contents Insurance

Optional

Optional - Up to 12 months of your weekly rental amount
30 days
Annually
Virgin Landlord Home and Contents Insurance

Optional

10% of the sum insured amount of your property
21 days
Annually
Purchase a new eligible Virgin Home and Contents Insurance policy online and you'll also save 15% on your first year’s premium. T&C’s Apply.
St. George Landlord Home and Contents Insurance

Optional

Up to 12 months
14 days
Monthly or Annually
CommBank Landlord Building & Contents Insurance

Optional

52 weeks
Optional
21 days
Monthly or Annually
Save 10% on a combined home and contents insurance policy
Over Fifty Landlord Building & Contents Insurance

Optional

12 months
14 days
Monthly or Annually
Get 10% off your first year’s premium when you buy online.
Catholic Church Landlord Building & Contents Insurance

Optional

12 months
14 days
Monthly or Annually
loading

What does landlord insurance cover?

Every policy varies but typically, you can expect to find the following inclusions, exclusions and optional extras:

EventLandlord building insuranceLandlord contents insuranceLandlord combined building and contents insurance
Storm damage
Fire damage
Earthquake
Theft (by someone other than your tenant)
Vandalism and malicious acts (by someone other than your tenant)
Legal liability cover
Impact damage
Escape of liquid
Lease break and loss of rent
Legal action against bad tenants
Movement of the sea
Falling trees (due to impact or storm damage)
Damage from vermin
War and uprising
Damage from renovations
Flood damage
Optional extra
Optional extra
Optional extra
Rent default
Optional extra
Optional extra
Optional extra
Motor burnout
Optional extra
Optional extra
Optional extra
Accidental damage and breakage to glass and ceramics
Optional extra
Optional extra
Optional extra

To see exactly what you’re covered for, read the product disclosure statement (PDS) on the provider’s website.

How to save on your landlord insurance policy

Whether you’re after a building only policy, contents only or combined policy, there are three main ways to save money.

Number 1

Get quotes from at least 5 different insurers.

This will help you know what’s available to you and give you the knowledge you need to negotiate a better deal.

Number 2

Get on the phone.

Insurers are usually happy to negotiate on price if you call them up to talk through your options. Saying something as simple as; “This quote is a bit out of my budget, is there any flexibility on that price?” can get them to reduce it on the spot.

Number 3

Look for sign up deals and discounts.

Plenty of insurers offer sign up discounts to new customers. These can be pretty generous too! A 20% discount can save you hundreds.

Matt Corke's headshot

"The insurance premiums on my investment property have been going up signifigantly year on year. This year it was crazy and prompted me to start getting quotes from other providers. By shopping around I managed to save a couple of hundred bucks each month! "

Head of Publishing Ventures

Deals and discounts for landlord insurance policies

Store Discount

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

Earn up to 40,000 Qantas Points with Qantas Landlord Insurance

Earn up to 40,000 Qantas Points with every Qantas Landlord Insurance policy you take out by 29 January. T&Cs and exclusions apply.

Last verified

Deal ends

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

Frequently asked questions

Peta Taylor's headshot
Written by

Publisher of Insurance

Peta Taylor is a publisher at Finder, working across all of insurance. She's been analysing product disclosure statements and publishing articles for over 2 years. Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. Peta is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year. See full bio

Read more on this topic

Go to site