RAA Landlord Insurance Review

RAA landlord insurance can also cover short stays but you can only get it if you have property in South Australia.

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Our Verdict

  • Its membership benefits are pretty good. When you take out an RAA landlord insurance policy, you automatically become an RAA member and get access to benefits including Big W discounts and money off other insurance products.
  • It's one of the few insurers that also offers short stay landlord insurance, ideal if you're looking to rent out a holiday home or Airbnb.
  • It's not for everyone — only people with property in South Australia can get a policy.
warningSome landlord insurance policies have temporarily removed benefits such as rent default and a few others because of the pandemic. Make sure to check this with the insurer before deciding on a policy.
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RAA landlord insurance policies

Here are the policies that you can get through RAA:

Landlord (Permanent) Rental

This type of policy is for traditional rentals and cover you for several insured events such as storms, theft, fire and vandalism.

Short Stay (Holiday) Rental

RAA is one of a handful of insurers that provide short term rental insurance for landlords looking to rent out their holiday home or property. To be eligible, your property must be used primarily as a rental property and you mustn't be there for more than 50% of the time, unless RAA has agreed with you otherwise. Like Landlord (Permanent) Rental insurance, you can get cover for the building only, the contents only or a combination of the two.

Here's some of the main insured events you'll be covered for with RAA landlord insurance.

Here's an overview of RAA landlord insurance features

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Standard features

An RAA landlord insurance policy comes with the following inclusions as standard:
  • Legal costs
  • Un-tenantable rental property benefit
  • Removal of debris and rebuilding costs
  • Replacement of locks
  • Tribunal fees and representation costs

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Optional add-ons

You can pay extra to get covered for the following add ons with your RAA landlord insurance policy:
  • Accidental breakage of glass and sanitary fixtures
  • Motor burnout
  • Removal of debris and rebuilding costs
  • Replacement of locks
  • Legal costs (no limit)

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Exclusions

RAA will not pay your claim for any of the following reasons:
  • Loss of value
  • Electronic information
  • Earth movement
  • Deliberate acts or omissions
  • Action of the sea
  • Asbestos
  • Breaching or failing to comply
  • Business activity

Check out RAA's PDS for a more detailed breakdown of exclusions. You can also find more information about general exclusions here.

Bottom line about RAA landlord insurance

RAA landlord insurance is one of the only insurers that offers short term rental cover suited to renting out a holiday home or Airbnb. However, it's only available in South Australia.

If you want to see how it stacks up against other policies, you can compare landlord insurers side-by-sidehere.

FAQs about RAA landlord insurance

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