Insure your investment property and landlord’s contents from insured events such as theft, fire7, storm7 and malicious damage.

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Landlord Insurance

Insure your investment property and landlord’s contents from insured events such as theft, fire7, storm and malicious damage.

  • How you are covered

    • Cover for your investment property from insured events
    • Save up to 10% on your first year's premium when you quote and buy a new landlord insurance policy online1, 4
    • Pay by the fortnight or month at no extra cost 6 

    A residential investment property needs to be appropriately insured. Landlord insurance can give you the confidence that your property will be covered should something go wrong. Allianz Landlord Insurance covers the property and/or the contents you provide for your tenant’s use from loss or damage by insured events.

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

    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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    Contents

    Designed to cover items at your property – from furniture, white goods and removable domestic appliances 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.

    Get a quote
    Request a callback

  • Features

    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 Product Disclosure Statement (PDS), any applicable supplementary PDS before making a decision to purchase the insurance. The Landlord Buildings and Landlord Contents Key Fact Sheets (KFS) also sets out some information about the cover.  

    Cover for the unexpected

    Allianz offers cover for your investment property for out of the ordinary but devastating events such as fire7, storm7 and burglary.

    Legal liability

    Allianz 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 you have buildings cover and your buildings are totally destroyed and need to be rebuilt, in addition to your buildings sum insured, Allianz will pay up to $5,000 (after deduction of any government or council rebates) to help you make the new buildings more environmentally friendly.

    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 have buildings cover only, Allianz will pay up to the lesser of $10,000 or the remainder of the sum insured after payment of the buildings claim, for certain landlords contents under this additional benefit.

    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 if you have buildings cover or if your building is part of a strata title development and you have contents cover only.

    Rebuilding and professional fees

    If you need to rebuild your buildings after total loss or damage, Allianz will help pay the reasonable costs of architects, engineers, surveyors and solicitors up to $5,000.

    Debris removal

    Allianz will pay 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 online claims lodgement

    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

    If you have contents cover, Allianz will cover contents in the open air (that you own and that you have provided for your tenants use) which have been lost or damaged by an insured event covered by your policy, up to a maximum amount of $1000.

    Optional covers

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

    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.

    Rent default & theft by tenant

    • Option to be covered for loss of rent due to specified rental defaults, up to $10,000 in total for all claims during the period of insurance.
    • Cover for loss or damage to your insured buildings or contents caused by theft, burglary or housebreaking committed by your tenant or invitees of your tenant.

    Optional cover - Flood cover

    Flood cover may be available as an optional cover to your buildings and/or contents. A 72 hour exclusion period applies7.

  • How to claim

    Online, any time

    The most convenient way to make a Landlord claim is via the online claim form.  You can submit your Landlord insurance claim notification 24 hours a day, 7 days a week, whenever it suits you. 

    All you need to do is complete the online claim form, and once it is lodged, a friendly claims consultant will contact you as soon as possible.

    • Secure form 
    • No phone queues 
    • Immediate confirmation number for your reference

    Submit your claim via the online claim form 

    Over the phone 

    Contact the Allianz claims hotline on 1300 555 030, 24 hours a day, 7 days a week.

  • Calculate the value of your home or contents

    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, Allianz 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 home building and contents.

  • FAQs

    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 555 030 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 Allianz for approval before you incur expenses you wish to claim. If you do not, Allianz will pay for expenses incurred to the amount Allianz would have authorised had you asked Allianz 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 1800 472 265 to find out whether you are eligible for Flood cover. For full details of terms, conditions, limits and exclusions of all our home insurance cover options, please refer to the relevant Product Disclosure Statement any supplementary PDS and Landlord Buildings or Landlord Contents Key Fact Sheets.

    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 call us on 1800 800 225. 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, Allianz 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 Building and Contents.

    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.

Need help or want some more information

Call us today for more information on Allianz Landlord Insurance on 1800 472 265 8am to 7pm, weekdays or 9am to 3pm Saturday.

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 Landlord Buildings or Landlord Contents Key Fact Sheet also available for reference.

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