{"menuItems":[{"label":"SGUA landlord insurance policy","anchorName":"#sgua-landlord-insurance-policy"},{"label":"SGUA policy benefits","anchorName":"#sgua-policy-benefits"},{"label":"SGUA landlord insurance excesses","anchorName":"#sgua-landlord-insurance-excesses"},{"label":"How to submit an SGUA landlord insurance claim","anchorName":"#how-to-submit-an-sgua-landlord-insurance-claim"},{"label":"Frequently asked questions","anchorName":"#frequently-asked-questions"}]}
SGUA is a niche market underwriter that specialises in providing residential landlord insurance. It is based in Australia and has been around since 1991. Its products are supported by Hollard Insurance Company, one of Australia's leading insurance businesses. Read on to find out what landlord insurance products it offers.
We don't currently have this brand on our panel. But don't fret! You can head to the SGUA website or compare a bunch of other landlord insurance companies with Finder.
Here are the landlord insurance products SGUA offers:
Landlord Protection
This can cover you for the building only, contents only, or both. You can get covered for insured events including fire, explosion or lightning, earthquake and tsunamis, theft and more. There is also an SGUA Landlord Value Plus option which includes cover for accidental damage and more.
Holiday Home
SGUA also offers insurance for your holiday home, ideal for those who rent out their holiday home throughout the year. This can cover you for events including fire, storms, water damage and more. You can also insure the contents of your holiday home.
Holiday Unit
This is contents insurance tailored to those whose holiday unit is already insured by an owners corporation or strata. This can include carpets, blinds, curtains, furniture, white goods and more. You'll be covered for water damage, glass breakage, fire, theft and more.
SGUA policy benefits
Check out the table below for an overview of what you'll be covered for with each individual SGUA policy.
An excess is a specific payment that you're required to contribute whenever you make a claim. SGUA will inform you what excess you will need to pay when you make a claim and when. The table below gives you an outline of the excesses that you're likely to pay when you make a claim.
Landlord Protection
Holiday Home
Holiday Unit
Building
$300
$300
No
Contents
$300
$300
$100
Loss of rent
$0
$0
$0
Deliberate damage by tenant
$0
No
No
Theft by tenant
$250
No
No
How to submit an SGUA landlord insurance claim
Before you submit your claim, make sure you've taken all reasonable steps to prevent further loss or damage. Contact the police as soon as possible if there has been a theft or attempted theft or damage was caused by an intentional act. You can lodge your SGUA landlord insurance claim online or get the process started by calling 1800 355 559. The following claim forms are available on the SGUA website:
SGUA's products are supported by Hollard Insurance Company.
Yes. You can get cover for accidental damage with SGUA's Value Plus cover option.
SGUA specialises in insurance products that look after residential investment properties, including holiday homes, units and short-term rental houses and units.
An SGUA landlord insurance policy is suitable for landlords who have a short or long-term rental agreement with a tenant. It should be secrue and watertight, well maintained and kept in good repair. It should not be:
Used for businesses such as motels or bed and breakfasts
Under initial construction
Landlord and Holiday Property insurance does not provide cover buildings so isn't suitable for private residential buildings.
Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, news.com.au, The Telegraph, Explore Travel and Escape. Gary holds a Kaplan Tier 1 General Insurance (General Advice) certification and a Kaplan Tier 1 Generic Knowledge certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).
How likely would you be to recommend finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
finder.com.au is one of Australia's leading comparison websites. We are committed to our readers and stands by our editorial principles
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please note that the information published on our site should not be construed as personal advice and does not consider your personal needs and circumstances. While our site will provide you with factual information and general advice to help you make better decisions, it isn't a substitute for professional advice. You should consider whether the products or services featured on our site are appropriate for your needs. If you're unsure about anything, seek professional advice before you apply for any product or commit to any plan and read any disclosure documents (such as any Target Market Determination (TMD) and/or Product Disclosure Statement (PDS)) issued by the provider before making a decision.
Providing or obtaining an estimated insurance quote through us does not guarantee you can get the insurance. Acceptance by insurance companies is based on things like occupation, health and lifestyle. By providing you with the ability to apply for a credit card or loan, we are not guaranteeing that your application will be approved. Your application for credit products is subject to the Provider's terms and conditions as well as their application and lending criteria.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
