St.George Landlord Insurance Review

St.George landlord insurance is good if you want more policy options and to pay monthly at no extra cost.

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Gary Ross Hunter

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Key takeaways

  • St George landlord insurance offers 2 different levels of cover.
  • It's quality care product can cover loss of rent.
  • Both levels of cover include a safety net for building cover as an additional benefit. This is extra protection in case you underinsure your property.

What does St.George landlord insurance cover?

St.George landlord insurance can cover the building, contents (for example, if your property is furnished) or both. Here's some of the main insured events it covers:

All policies require to pay a basic excess of at least $100 when you make a claim and come with a cooling off period of 21 days which is the industry standard. If you cancel your policy within this timeframe, you can get a full refund.

St.George landlord insurance cover features

Standard features
Optional add-ons
Exclusions

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Standard features

Here are some of the main features that a St.George landlord insurance will cover you for if you make a claim for an insured event like a fire, storm or theft.

  • Accidental glass breakage
  • Malicious acts and unrest
  • Electrical motor burnout
  • Storm, flood, fire, lightning, earthquake, impact, explosion
  • Legal liability cover

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Optional add-ons

St.George comes with the following add-ons:

  • Malicious acts or theft by tenants
  • Loss of rent due to default by tenants (but not for casually let properties)
  • Damage caused by pets

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Exclusions

St.George's general exclusions are similar to many other insurers. You won't be covered for:

  • Events covered by a warranty, guarantee or service contract
  • Defects
  • Wear and tear
  • Landslide
  • Damage by vermin or insects
  • Unlawful acts
  • Tree roots
  • Loss or damage if your home is unoccupied for more than 60 days

For a full list of general exclusions, make sure you read St.George landlord insurance PDS.

St.George landlord insurance complaints

We looked at home insurance complaint data from the Australian Financial Complaints Authority (AFCA) between July to December 2020. The data breaks down different underwriters and compares their business size to the number of complaints processed.

When comparing insurers, keep in mind that insurers with a larger market share serve more customers so can potentially get more complaints.

Here's an overview of how St.George (which is underwritten by Westpac) did. It includes other brands underwritten by Westpac so keep in mind that the total number of complaints is not necessarily all for St.George:

Here are some things we noticed about St.George and their underwriter:

  • St.George (Westpac) had less complaints than other large insurers such as Hollard.
  • Only 42.96% of complaints were resolved directly with customers. This isn't great but it's similar to other large insurers like Auto & General and Hollard.

Bottom line about St.George landlord insurance

St.George landlord insurance is a competitively priced provider that offers good sign-up discounts and lots of options. However, you'll need to pay extra if you want loss of rent cover.

If you're not yet ready to buy, you can compare other landlord insurance policies side-by-side here.

FAQs about St.George landlord insurance

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St.George landlord insurance reviews

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

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Journalist

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

Gary Ross's expertise
Gary Ross has written 615 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living
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One Response

    AvatarFinder
    SarahFebruary 20, 2023Finder

    Hi Troy,

    You will need to contact St George directly with this request. We recommend you call their insurance line and update your details to add your mother to your account. You can contact them on 13 33 30.

    Hope this helps!

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