Australian Seniors offers a 5% online discount on your landlord insurance policy for the first 12 months.
The policy includes flood and malicious damage by tenant cover as standard, which differs from some insurers.
Rent default and legal expenses are an optional extra, so ensure you consider adding this for full protection.
Our verdict
Seniors Landlords Insurance comes with a 5% online discount. That's about as good an online offer as you'll get, similar to other providers such as Terri Scheer and Domain.
Both flood and malicious damage by tenant are covered as standard. This is not the case with many other insurers.
Be sure to check if the standard policy will meet your requirements. Rent default is an optional extra so you'll have to chip in more to be covered.
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We currently don't have that product, but here are others to consider:
Looking for other options? Check out these similar products.
How we picked these
Finder Score for landlord insurance
Finder Score assesses more than 40 home and contents landlord insurance products for their price and features, assigning each product a score out of 10.
Seniors Landlords Insurance offers 3 types of policies for landlord properties you own but do not live in: building insurance, contents insurance and a combined landlords building and contents policy. These are some of the main insured events these policies can cover you for:
All policies come with a choice of basic excess and a cooling off period of 14 days. An excess is an amount you'll need to pay when you make a claim for an insured event. If you purchase the policy and later decide it's not right for you, you can cancel your policy for a full refund within 14 days.
Here's a breakdown of Seniors Landlords Insurance features
A Seniors Landlords Insurance policy comes with a long list of features, including the following:
Contents in the open air such as BBQs and garden furniture
Cover for strata title property owners
Loss of rent following damage
Malicious acts and thefts by tenants
Removal of debris and any architectural or council fees
New for old replacement
Optional add-on
Seniors Landlords Insurance doesn't offer a lot of optional add-ons compared to other insurers. You can pay extra for the following inclusions:
Electrical motor burnout
Rent default and legal expenses
Exclusions
Seniors Landlords Insurance general exclusions are similar to other insurance brands. Here are some of the main events you won't be covered for:
Actions of the sea including high tide
Building work including any extensions or renovations
Deliberate action by you
Food spoilage
Gradual deterioration including wear and tear, rust and fading
Inherent defects, structural faults and faulty workmanship
Mould or mildew
Short-term rentals including holiday letting
Tree roots, tree felling or tree lopping
Your building being unoccupied for more than 60 days
War, rebellion or insurrection
Make sure to review Seniors Landlords Insurance PDS for a detailed overview of what is and isn't covered.
Here's the bottom line about Seniors Landlords Insurance
Australian Seniors is good if you want an insurance brand dedicated to Australians over 50. Seniors Landlords Insurance covers malicious damage by tenants cover at no extra cost and replacement on a new-for-old basis. However, tenant default isn't covered automatically – you'll need to pay extra for it.
If you're not ready to take out a policy with Australian Seniors, you can compare other landlord insurance companies side by side here.
Frequently asked questions
You can lodge an Seniors Landlords Insurance claim online or by phone. You can do this by logging into your account or calling 13 13 43.
Try to gather as many details and supporting documents as possible, including photos, a police incident report number and receipts. This will help make your claim go as smoothly as possible.
Yes. You can pay your Seniors Landlords Insurance premiums both monthly and annually by direct debit or credit card from your bank account, but you will pay less by paying annually.
Seniors Landlords Insurance is issued by The Hollard Insurance Company Pty Ltd.
Yes, Australian Seniors covers flood as standard except for within the first 72 hours of your purchase date. Note that claims made for flood are subject to whichever is higher: your basic excess or $500.
Yes, Australian Seniors requires you to carry out an inspection of your property at least once a year. You'll also need an inspection at the start of a new rental agreement and when existing tenants vacate your property.
Leave a Seniors Landlords Insurance review
If you've held or currently hold an Seniors Landlords Insurance policy, we'd love to hear from you. Your review can help other Australians decide if Australian Seniors is a good fit for them. Some reviews are from a survey commissioned by Finder.
Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share.
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The best landlord insurance is the one that you can trust to protect your investment when you're not there.
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