Landlord Insurance QLD

As a landlord, you have enough on your plate without having to also worry about insurance. But whether you're in Cairns, Longreach or the Gold Coast, landlord insurance can help protect you against damage, loss, injury, rental default and legal liability. What's involved and how do I find the right cover for my property? Here's our full guide to landlord insurance in Queensland.

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Finder Score	Tenant Default and Damage	Loss of Rent	Accidental Damage	Sum Insured Safeguard	Cooling-off Period
Promoted 8.7 Great Youi Landlord Building and Contents Insurance	8.7 Great	Optional	The reasonable rental amount for up to 12 months			20 days	Cover for investment property from fire, theft and numerous weather events.	Get a quote View details Compare product selection Compare	loading
Promoted 9.9 Excellent QBE Landlord Home & Contents Insurance	9.9 Excellent	Optional	The lesser of: Up to 24 months of lost rent, or 20% of your sum insured amount			21 days	Discount: Get 10% off when you buy a new policy online. T&Cs apply.	Get a quote View details Compare product selection Compare	loading
Promoted 8.5 Great Budget Direct Landlord Home & Contents Insurance	8.5 Great	Optional	10% of the sum insured amount of your property		Optional	21 days	Discount: Save up to 30% (15% Online + Up to 15% Combined) off your first year's premium for a new combined Home and Contents policy purchased online. T&Cs apply.	Get a quote View details Compare product selection Compare	loading
8.3 Great Qantas Landlord Home and Contents Insurance	8.3 Great	Optional	Up to 10% of your sum insured	Optional	Optional	21 days	Discount: Earn up to 35,000 Qantas Points for joining by 25 November 2026. Plus save up to 30% on your 1st year’s premium - 15% when you take out a new policy online, and up to 15% when you combine home and contents. T&Cs apply.	Get a quote View details Compare product selection Compare	loading
6.7 Standard Seniors Landlords Building & Contents Insurance	6.7 Standard		The lesser of: 12 months rent, or 10% of your building sum insured, or the lost rent			14 days	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 quote View details Compare product selection Compare	loading
8.7 Great Youi Landlord Building Insurance	8.7 Great	Optional	10% of the buildings sum insured			20 days	Get a quote View details Compare product selection Compare	loading
9.9 Excellent QBE Landlord Home Insurance	9.9 Excellent	Optional	The lesser of: Up to 24 months of lost rent, or 20% of your sum insured amount			21 days	Discount: Get 10% off when you buy a new policy online. T&Cs apply.	Get a quote View details Compare product selection Compare	loading
8 Great Budget Direct Landlord Building Insurance	8 Great	Optional	10% of the sum insured amount of your property		Optional	21 days	Save 15% on your first year's premium when you buy a home only policy online. T&Cs apply.	Get a quote View details Compare product selection Compare	loading
7.9 Great Qantas Landlord Building Insurance	7.9 Great	Optional	Up to 10% of your home sum insured	Optional	Optional	21 days	Discount: Earn up to 35,000 Qantas Points for joining by 25 November 2026. Plus save 15% on your 1st year’s premium when you purchase online. T&Cs apply.	Get a quote View details Compare product selection Compare	loading
6.8 Standard Seniors Landlords Building Insurance	6.8 Standard		The lesser of: 12 months rent, or 10% of your building sum insured, or the lost rent			14 days	Get a quote View details Compare product selection Compare	loading

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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.

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What does landlord insurance in QLD cover me for?

Landlord insurance comes in three cover options.

• Home insurance. Home insurance, or building/building-only cover, offers cover for your home and other fixtures on your property against damage from fires, storms, theft and vandalism. Cover usually provides additional protection against loss of rent due to damage rendering the property uninhabitable or damage to shared areas such as pools and gardens.
• Contents insurance. Contents cover protects any of your household possessions and any other property you have on site against the same risks as home insurance. Additional options are usually available for communal items like pool equipment or outdoor furniture.
• Combined home and contents insurance. Offering total protection for your property and everything inside, this is the most comprehensive level of cover available to landlords and includes optional cover for both rental default and damage or loss caused by tenants or their guests.

Is landlord insurance compulsory in Queensland?

No, landlord insurance isn't compulsory in QLD but it doesn't mean you shouldn't get it. As the landlord, legal responsibility in an event of loss, damage or injury would fall on your shoulders. What's more, while tenants must agree to the terms you set in the lease, you're responsible for setting the terms and collecting bond and rent for the property. All policies come with legal liability in case there are any legal disputes.

What should a landlord insurance QLD policy include?

These are some of the main inclusions in a QLD landlord insurance policy:

Storms

Storms are common across QLD and can do serious damage to properties. Storm cover is included as standard in most landlord insurance policies.

Fire

Fire cover is standard in most landlord insurance policies and can cover also cover your property and its contents for bushfires.

Theft

Theft cover is generally a standard inclusion with most landlord insurance policies. It can pay for damages related to theft or vandalism.

Accidental damage

Accidental damage isn't always included as standard (sometimes you'll need to pay extra to add it on to your policy) but it can cover both property and contents damage – for instance, if the property is furnished and the tenant accidentally breaks the TV or spills wine on the couch.

Floods

Some policies automatically cover you for floods but many will only cover you if you're willing to pay a little extra for it. If you live in a flood-prone area of QLD, it could be worth it.

Loss of rent

Loss of rent isn't always automatically included as standard. However, it can cover you for the losses you incur as a result of a tenant failing to pay rent.

Who offers landlord insurance in QLD?

Australian home insurance providers usually aren't state-specific, which means Queensland homeowners can access cover from an extensive range of trusted insurance brands, including:

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What do I need to know as a landlord in QLD?

There are some differences between states around the rights and responsibilities of landlords and tenants and these could have an impact on insurance claims down the road. Here's what's different in Queensland:

• Bond and advance rent. You can legally collect four week's bond on places that rent for $700 per week or less. There are no bond limits for places you rent for more than that. The maximum advance rent you can charge for any rental is one month for fixed-term agreements and two weeks for periodic agreements.
• Rent increases. You can only increase rent once every 12 months, with at least two months' written notice. The 12-month limit is tied to the property rather than the tenancy, so it still applies if a new tenant moves in. However, you can't increase the rent on a fixed-term agreement unless the contract states that it will be increased.
• Ending a tenancy. To end a tenancy you need a valid reason under Queensland's rental laws, and you must give the correct notice on the approved form (a Notice to leave). The end of a fixed-term agreement is a valid reason, so you can end a fixed-term lease when it's up. A periodic lease can only be ended for an approved reason, such as preparing the property for sale or the owner moving in, and the notice period depends on the reason. If the tenant breaches the contract, this notice period can be shorter depending on the severity of the breach.
• Pets. Tenants need your approval to keep a pet, and they ask for it using the approved request form. You must respond in writing within 14 days, either approving the request (you can attach reasonable conditions) or refusing it and stating your reason, which must be one allowed under Queensland's rental laws. If you don't respond within 14 days, the request is automatically approved.
• Access for inspections. As a landlord, you're allowed one inspection every three months and you must give your tenant a notice period of at least seven days before each one.
• Minimum housing standards. Your property must meet Queensland's minimum housing standards when the tenant moves in and throughout the tenancy. Among other things, it must be weatherproof and structurally sound, in good repair, free from vermin, damp and mould (unless the tenant caused it), and have working locks or latches on external doors and on windows that can be reached without a ladder. During a tenancy, repairs needed to meet the standards are treated as emergency repairs.

Frequently Asked Questions

• How much does landlord insurance cost in Queensland?

  The cost of landlord insurance in Queensland varies significantly based on several factors. These include your property's location, its construction type, the sum insured for building and contents, your chosen excess amount and the specific inclusions you select. Policies offering comprehensive cover or additional features like flood or rent default protection will generally cost more.

• What does landlord insurance not cover?

  While landlord insurance provides broad protection, there are common exclusions. Policies typically do not cover normal wear and tear, damage resulting from lack of maintenance or neglect, pest infestations or intentional damage caused by you or someone acting with your permission. Always refer to your product disclosure statement for a complete list of exclusions.

• Does landlord insurance cover short-term rentals like Airbnb in Queensland?

  Standard landlord insurance policies are typically designed for long-term tenancy agreements and may not provide adequate cover for short-term rentals or platforms like Airbnb. These types of rentals often have higher risks due to more frequent tenant changes and different usage patterns. Many insurers offer specific short-term rental insurance policies or add-on options to address these unique risks. It is crucial to inform your insurer if your property is used for short-term letting.

• Does landlord insurance cover normal wear and tear?

  No, landlord insurance policies generally do not cover normal wear and tear. This refers to the gradual deterioration of the property and its contents over time due to everyday use. Insurance is designed to cover sudden unexpected events or damage, not the costs associated with routine maintenance or the natural ageing process of items.

• What happens if my rental property is vacant?

  Most standard landlord insurance policies have specific conditions regarding vacant properties. If your rental property remains unoccupied for an extended period, typically 30, 60 or 90 consecutive days, your cover may be reduced or completely voided. It is important to notify your insurer if your property will be vacant for a long time as you may need to arrange an unoccupied property add-on or a specialised vacant property policy.

Written by

Gary Ross Hunter

Journalist

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Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

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Gary Ross has written 520 Finder guides across topics including:

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