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NAB Landlord Insurance Review

NAB landlord insurance is good for rewarding you if you don’t need to submit a claim and if your property is furnished.

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Our verdict

  • NAB landlord insurance comes with a 30% no claim bonus if you make no landlord insurance claims in 3 years — not many other insurers we looked at offer this.
  • It's good if you have a furnished flat — you can get 10% off when you combine building and contents cover.
  • Its 10% online discount isn't the largest offer available — competitors such as Budget Direct, Australian Seniors and Domain all offer more.

Review by our insurance and innovations editor Gary Ross Hunter

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What does NAB landlord insurance cover?

NAB offers the following landlord insurance policies: building, contents, and combined building and contents.

Here are some of the main insured events you'll be covered for with one of NAB's policies.

An overview of NAB landlord insurance features

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Standard features

A NAB landlord insurance building and content and building only comes with the following features included as standard:
  • Debris removal
  • Rebuilding and professional fees
  • Environmental upgrades
  • Building code compliance costs
  • Loss of rent

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Optional add-ons

If you want extra protection, you can pay extra to get the following added on to your NAB landlord insurance policy:
  • Rent default and theft by tenant
  • Flood cover
  • Landlord workers' compensation

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NAB will not pay your claim for any of the following reasons:
  • Actions of the sea
  • Coal seam gas
  • Deliberate, intentional, malicious or criminal acts
  • Lawful seizure
  • Wear and tear
  • Inherent defects
  • Illegal contents
  • Soil movement

Make sure to read NAB's PDS for a more detailed breakdown of exclusions.

Bottom line about NAB landlord insurance

NAB landlord insurance values loyal customers with its 30% no claim bonus and it's one of the few insurers to give you money off if you take out combined cover. However, it's possible to get bigger discounts elsewhere.

To see how NAB stacks up against other policies, you can compare landlord insurers side by side here.

Frequently asked questions about NAB landlord insurance

  • A NAB landlord insurance policy is suitable for someone that owns a residential building that they rent out to a tenant. It's suitable for those who want to protect themselves against:

    • loss or damage to their building caused by certain unexpected insured events, like a fire or theft.
    • loss of rent as a result of their building being uninhabitable or inaccessible because of an insured event.
    • legal liability resulting from their ownership of the building.

A note on NAB landlord insurance reviews

If you've held or currently hold a NAB landlord insurance policy, we'd love to hear from you. Your reviews help other Australians decide if NAB is right for them. Some reviews are from a survey commissioned by Finder.

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