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Seniors Landlords Insurance

From malicious damage to flood cover, Seniors Landlords Insurance packs in some desirable features. Find out if it’s right for you.

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By

Cristal Dyer

Updated

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Seniors Landlord Insurance

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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 Budget Direct 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.
Australian Seniors Home Insurance Deals
Deal

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.
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Compare Seniors Landlords Insurance

Name Product Tenant Default and Damage Loss of Rent Accidental Damage Sum Insured Safeguard Cooling-off Period Cheapest way to pay
Seniors Landlords Building & Contents Insurance
Seniors Landlords Building & Contents Insurance
The lesser of: 12 months rent, or 10% of your building sum insured, or the lost rent
14 days
Annually
Save 5% when you buy a combined building and contents policy. 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.
Get a quoteView details
Seniors Landlords Building Insurance
Seniors Landlords Building Insurance
The lesser of: 12 months rent, or 10% of your building sum insured, or the lost rent
14 days
Annually
Save 5% when you buy a combined building and contents policy. 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.
Get a quoteView details
Seniors Landlords Contents Insurance
Seniors Landlords Contents Insurance
No
14 days
Annually
Save 5% when you buy a combined building and contents policy. 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.
Get a quoteView details
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What does Seniors Landlords Insurance cover?

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

Standard features
Optional add-on
Exclusions

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Standard 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

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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

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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

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's headshot
Written by

Writer

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. See full bio

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