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Back to topI've just looked into the detail of 18 landlord insurance policies. There's quite a bit of difference in terms of what insurers will and won't cover you for. That's why it's really important you spend some time reviewing your options carefully. For example, very few insurers will automatically include cover for rent defaults made by tenants. In 15 of the 18 policies I analysed, you'd need to pay more to add this on to your policy.
James Martin
Finder's insurance editor
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Landlord insurance costs are rising. However, you don't need to just accept price increases by auto-renewing your policy. When your renewal date approaches, shop around. You may be able to find a cheaper deal without losing the cover you rely on.
Landlord insurers like to offer sign-up discounts to get you on board. Some can genuinely save you a lot of money, such as 15% off your first year. If you want to continue saving though, you can keep switching every 12 months. After all, a great deal today may not be so great next year.
This is how much you need to pay to contribute to the cost of a claim. All landlord insurance policies have them, but they vary greatly (from $100 to as much as $5,000). Most providers will let you increase your excess in return for cheaper premiums. There's downsides though – making a smaller-value claim may not be worth it. Also, you'll have to pay more upfront at claim time.
As with any type of insurance, you take it out for your own safety. Fortunately, I've never had to make a claim on my policy. The cost hasn't changed for me that much in recent years. But that's a moot point anyway: I'd never go without landlord insurance due to the peace of mind it brings.
- Alan Lee, owner of 2 investment properties in Sydney.
Remember the deals and sign-up offers we mentioned? We put together a list of them below to help you save:
| Store | Discount | |
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30% online discount on new home and contents landlord insurance Save 30% on your first year's premium when you purchase a new combined home and contents landlord insurance policy cover online. T&Cs apply. Last verified |
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Earn up to 30,000 Qantas Points with Qantas Landlord Insurance Earn up to 30,000 Qantas Points with every Qantas Landlord Insurance policy you take out by 30 September. T&Cs and exclusions apply. Last verified |
Deal ends |
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Get up to 20% off your first years’ premium with QBE Landlord Insurance Discount is made up of a 10% online discount, and a further 10% for buying a combined policy. T/Cs apply. Last verified |
Here are some of the insurers that offer landlord insurance in Australia:
If the brand you're looking for isn't here, check out our full landlord insurance directory.
The insurance premiums on my investment property have been going up signifigantly year on year. This year it was crazy and prompted me to start getting quotes from other providers. By shopping around I managed to save a couple of hundred bucks each month!— Matt Corke, Head of Publishing Ventures
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