Who is eligible for a Youi landlord insurance policy?

Youi's landlord cover is part of its home insurance, which is designed for homeowners, including landlords, with a financial interest in the property who could face financial hardship if an event damages it or legal liability arises. It's generally not suitable for: properties that aren't well maintained or fit to be occupied properties affected by storm surge, actions of the sea or tides, erosion, rising damp or seepage, or by landslip or subsidence not caused by a flood, storm, earthquake or explosion building cover on strata title properties, where the body corporate usually insures the building (Youi does offer landlord contents cover for a strata title property you own and rent out) properties used as a hotel, motel or bed and breakfast accommodation properties located in the Northern Territory, far north Queensland or northern Western Australia not insured before purchasing insurance and you require cover for flood, storm or bushfire within the first 72 hours of cover starting

How do I make a claim with Youi landlord insurance?

Once everyone in your household is safe, contact Youi as soon as you can so it can help you through the claims process. You can lodge a claim either by phone or online.

What excess would I need to pay?

It depends on what you are claiming for. In most cases, you'll only have to pay a basic excess. Youi also lets you choose an excess option that suits your budget.

Youi Landlord Insurance Review

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Youi offers landlord building cover, contents cover or both combined in one policy.
It's flexible: you can choose an excess option and tailor the policy to your rental property.
It includes extras like counselling cover if you need support after an accepted claim.

Get landlord insurance quotes from Youi

Finder Score	Tenant Default and Damage	Loss of Rent	Accidental Damage
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 selectionCompare	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 selectionCompare	loading
9 Excellent Youi Landlord Contents Insurance	9 Excellent	Optional	$2,000 per month	20 days	Get a quote View details Compare product selectionCompare	loading

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 Youi landlord insurance cover?

Building insurance. Covers the building itself, including pipes, cables, ducting, wires, switches, meters, fixed appliances, carports, patios, paved paths, driveways and other permanent fixtures (pools, spas, etc).
Contents insurance. Covers contents owned by you as the landlord or that you're responsible for, including carpets, curtains, blinds, furniture, furnishings, non-permanent light fittings, removable domestic appliances and utensils.
Building and contents insurance. You can combine both covers in one policy to protect the building and the contents you provide for tenants.

Here are some of the main insured events it covers:

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Fires

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Storms

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Breakage of glass

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Explosion

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Earthquake

Youi policies come with a 20-day cooling off period and, like all insurers, you'll need to pay an excess when you make a claim. There are three excesses you might need to pay: a basic excess, an additional excess and an unoccupied excess (e.g. when your home has been unoccupied for more than 60 days.)

Youi landlord insurance features

Standard features
Optional add-ons
Exclusions

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Standard features

Here are some of the main features that Youi can cover when you make a claim for an insured event.

Intentional damage
Legal liability
Emergency repairs
Clean-up and professional fees
Burnout of electric motors
Damage from vermin, insects, birds and wildlife

Broken glass and ceramics
Locks and keys
Landlord's loss of rent
Landlord's furnishings
Counselling services

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Optional add-ons

Youi offers these optional covers for landlords:

Lessee/tenant default and damage
Contents in commercial storage
Buildings accidental damage
Contents accidental loss or damage

Exclusions

Youi's general exclusions are similar to most other insurers. You won't be covered for:

Illegal property or items
Faulty design, materials or workmanship
Wear and tear, rust or rising damp

Illegal activity
Intentional or deliberate acts or omissions
Damage that existed prior to you taking out a policy

This isn't a complete list. You'll find all of Youi's general exclusions in its PDS.

Bottom line about Youi landlord insurance

Youi landlord insurance is a good fit if you want a policy tailored to your rental property. However, if you want to pay monthly, it will cost you more than paying for the full year.

You can get a quote from Youi online or by calling 13 9684. If you're still weighing up your options, compare other landlord insurance policies side by side.

FAQs about Youi landlord insurance

Youi's landlord cover is part of its home insurance, which is designed for homeowners, including landlords, with a financial interest in the property who could face financial hardship if an event damages it or legal liability arises. It's generally not suitable for:
- properties that aren't well maintained or fit to be occupied
- properties affected by storm surge, actions of the sea or tides, erosion, rising damp or seepage, or by landslip or subsidence not caused by a flood, storm, earthquake or explosion
- building cover on strata title properties, where the body corporate usually insures the building (Youi does offer landlord contents cover for a strata title property you own and rent out)
- properties used as a hotel, motel or bed and breakfast accommodation
- properties located in the Northern Territory, far north Queensland or northern Western Australia
- not insured before purchasing insurance and you require cover for flood, storm or bushfire within the first 72 hours of cover starting

Compare other products from Youi

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.

Youi landlord insurance reviews

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

Thank you for your feedback!

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Youi landlord insurance offers flexible excess options and extras like counselling cover, but it’ll cost you more if you want to pay monthly.