Protect your investment property and landlord’s contents from insured events such as theft, fire, storm and malicious damage.
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Ray White Landlord Insurance

Cover for your investment property

Save up to 10% on your first year’s premium when you purchase a new policy online1,4

Pay by the month
at no extra cost6

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A residential investment property needs to be appropriately protected.

Insurance can give you the peace of mind and confidence that your property will be looked after should something go wrong. Ray White Landlord Insurance provides insurance for the property and/or the contents you provide for your tenant’s use.

To help you decide the cover you need, here’s a brief outline of the difference between Landlord Buildings and Landlord Contents cover.

Landlord Buildings

Designed to cover the physical structures that make up your property, like the house itself, garage, sheds, permanently installed swimming pools and decks.
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Landlord Contents

Designed to cover items at your investment property – from furniture, removable domestic appliances and white goods which belong to you as the landlord and that you have provided for the use of your tenant. It also covers your carpets and window furnishings.
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  • What's Covered
  • Features and Benefits
  • Optional Covers
  • Calculators
  • FAQs

What does Landlord Insurance cover?

Landlord Buildings

Designed to cover the physical structures that make up your property, like the house itself, garage, sheds, permanently installed swimming pools and decks.

Landlord Contents

Designed to cover items at your property – from furniture, removable domestic appliances and white goods which belong to you as the landlord and that you have provided for the use of your tenant. It also covers your carpets and window furnishings.

The better you understand your policy, the easier it will be if you ever have to claim.

Here is a limited summary of the benefits of a landlord insurance policy. For full details of the standard terms, conditions, limits and exclusions that apply please read the Landlord Product Disclosure Statement (PDS) and any applicable supplementary PDS before making a decision to purchase the insurance. The Landlord Buildings and Landlord Contents key fact sheets also set out some information about the cover.

Select the cover to suit your needs.

Effective 22 February 2021

Landlord Insurance
Cover for the unexpected Landlord Insurance offers protection for your investment property for out of the ordinary but devastating events such as fire, storm and burglary.
Legal liability Landlord Insurance will cover your legal liability up to $20 million for payment of compensation relating to death, bodily injury or illness, and/or physical loss of or damage to property caused by an accident (or series of accidents). If you have contents cover only, it does not cover any legal liability you may incur as owner of the buildings unless the buildings are defined as a lot.
Making your buildings environmentally friendly If your buildings are totally destroyed and need to be rebuilt, in addition to your buildings sum insured, Landlord Insurance will pay up to $5,000 (after deduction of any government or council rebates) to help you make the new buildings more environmentally friendly.
Landlord contents Allianz will pay for repair or replacement of contents you own and provide for your tenant’s use as a result of an insured event. If you select buildings cover, Landlord Insurance will pay up to $10,000. Alternatively, if you select contents cover, Landlord Insurance will pay, up to the sum insured.
Rental costs after an insured event If your buildings are damaged by an insured event and can’t be lived in by your tenant, or, access to or use of the buildings is not possible after an insured event Allianz will pay for your loss of rent on the buildings for up to 12 months. 
Rebuilding and professional fees If you need to rebuild your buildings after total loss or damage, Landlord Insurance will help pay the reasonable costs of architects, engineers, surveyors and solicitors up to $5,000.
Debris removal Landlord Insurance will cover up to 10% of the building and/or contents sum insured for removing debris from your insured address if your buildings are damaged or destroyed by an insured event.
24/7 claims assistance When you need to make a claim Allianz are there for you with 24 hour claims lodgement available online, or you can call the claims line to commence the claims process over the phone.
Contents in the open air at the insured address Landlord Insurance will cover contents in the open air (that you own and that you have provided for your tenant’s use) which have been lost or damaged by an insured event covered by your policy, up to a maximum amount of $1000.
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Optional covers

Apply to add any of these optional covers for an additional premium and greater cover.

Landlord Insurance
Optional cover – Landlord workers’ compensation cover Cover for the compensation amount you are liable to pay if you employ a domestic worker and they are injured while working for you at the insured address. Only available in ACT, WA and TAS
Optional cover - Flood cover Flood cover may be available as an optional cover to your buildings and/or contents. A 72 hour exclusion period applies.
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Home Insurance Calculators

It’s up to you to decide the sums insured, and the type and level of cover that you want to take out. People generally want enough insurance to cover the property’s estimated replacement value. If you don’t have enough cover, you could end up having to cover some of the costs yourself. Remember, we will only pay up to the amount of your loss or the sum insured, whichever is the lesser (subject to the policy terms and conditions) - so you should also be careful not to over insure. That's why we've provided these calculators. They work as guides to help you estimate the replacement value of your landlord building and contents.

Building replacement calculator

Value my home

Contents replacement calculator

Value my contents

Frequently asked questions

What do I do if I need to make a landlord insurance claim?

Do what you reasonably can to prevent any further loss, damage or liability. Tell the police as soon as reasonably possible about any malicious damage, theft, attempted theft, burglary or loss of insured property. Contact the Claims Call Centre on 1300 658 390 and advise the Claims Consultant of what has happened: the Claims Consultant will help you through the landlord insurance claims process.

In order to be sure that you are covered under this policy you should always contact us for approval before you incur expenses you wish to claim. If you do not, we will pay for expenses incurred to the amount we would have authorised had you asked us first.

Am I covered for Flood?

Flood cover is an option on both Building and Contents in Home and Landlords policies. Please call us on 1300 658 390 to find out whether you are eligible for Flood cover. For full details of terms, conditions, limits and exclusions of all our landlord insurance cover options, please refer to the relevant Landlord Product Disclosure Statement (PDS), any applicable supplementary PDS, and the Landlord Buildings or Landlord Contents key fact sheets also available for reference.

How do I know if I have optional covers on my policy?

You can apply to add these options to your policy when you start or renew it (or during your period of insurance by contacting Ray White Insurance on 1800 221 773). If you’re not sure whether you have added these cover options, you can check your policy schedule.

Who is Landlord insurance policy designed for?

This insurance policy has been designed for people who are renting their property out to tenants under a residential rental agreement.

Contents owned by you (or for which you are legally responsible) and provide for the use of the tenants may also be covered under the policy.

This policy is not suitable for covering the building or contents of the home you live in. In this regard, we offer a Home and Contents product that has been specifically designed for homeowners or renters.

For more information on Home and Contents insurance, please visit the product page.

How should I determine the replacement value of my buildings?

The replacement value of your buildings is not the same as the market value – you do not need to include the value of the land when calculating the buildings replacement value.

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Policy Documents and Key Fact Sheets

We do not provide advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision please refer to the relevant Landlord Product Disclosure Statement (PDS), any applicable supplementary PDS, and the Landlord Buildings or Landlord Contents key fact sheets also available for reference.

Disclaimer

#By proceeding with a quote you agree to receive our Financial Services Guide from this website.

Concierge Group Holdings Pty Ltd ABN 95 105 230 046 AR 267687 trading as Ray White Concierge and Ray White Insurance arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision, please consider the product disclosure statement available at https://raywhiteinsurance.com.au. If you purchase this insurance, we will receive a commission that is a percentage of the premium. We may receive from Allianz, a percentage of the profit which exceeds the agreed profit threshold for Home and Landlord (excluding flood), Motor and Caravan policies arranged by us or renewed with Allianz in each calendar year, provided that the agreed premium threshold is met. Allianz also reimburses us for marketing costs we incur to promote its products, which is capped at a percentage of the premium earned on all policies arranged by us with Allianz in the prior calendar year. Ask us for more details before we provide you with services.

The Financial Services Guide - Ray White Insurance can be viewed here.

1. Online discount
When you buy a new Landlord insurance policy online a premium discount of up to 10% is applied to your first year’s premium including the optional cover, if selected, Flood. This discount is not applied on renewal.

3. No Claim Bonus
When you take out a new policy, we calculate your No Claim Bonus based on your home or landlords (as applicable) insurance claims history. To qualify for the maximum No Claim Bonus of 30%, home insurance customers must have had no Building or Contents insurance claims in the preceding five years. Landlord customers must have had no Landlord insurance claims in the preceding 3 years. However, customers who have had claims may still qualify for a reduced No Claim Bonus.

4. Minimum premiums
If you are eligible for more than one discount, Allianz applies them in a predetermined order. This means any subsequent discount will be applied to the reduced premium amount after applying any prior discounts and the effect of the subsequent discount will be reduced. For example, the aggregate effect of applying two 10% discounts consecutively means that you will not see the full benefit of both these discounts.
Discounts do not apply to taxes or government charges.
Discounts do not apply to optional covers for Domestic Workers Compensation / Landlord Workers Compensation, and may not apply to other optional covers (if available and selected).
Any discounts/entitlements may be subject to rounding and may only apply to the extent that any minimum premium is not reached.

5. Option to change your excess
Not available when an additional compulsory excess or imposed excess applies. Minimum Premiums apply.

6. Instalment premiums
If you choose to pay your premium by instalments you do not pay us any more than if you pay your premium in one lump sum annually. The premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding. Note: Your financial institution may apply transaction fees to instalment payments.

Prefer to talk?
1800 221 773 New Policies
1300 658 390 Current Policies