Auto Insurance
Liability, collision and comprehensive cover for the cars on your driveway.
Read more →Personal Insurance
Landlord Insurance
Dwelling fire cover, lost rent and liability for a property you let out.
What this cover does
A homeowners policy does not cover a property you rent to someone else. Landlord cover — often written as a dwelling fire policy — replaces it, and adds the thing owner-occupiers never need: the rent you stop receiving while the property is being repaired.
Typically included
- The building and any permanently attached structures
- Landlord-owned contents such as appliances and furnishings
- Fair rental value — lost rent while the property is uninhabitable
- Premises liability for tenant and visitor injuries
- Vandalism and malicious damage, subject to the form
Common add-ons
- Short-term and holiday-let endorsements
- Building ordinance or law
- Rent guarantee and tenant-default cover where available
- Cover for units held vacant between tenancies
- Umbrella liability across a portfolio
Questions
What people ask about landlord
Does it cover my tenant’s belongings?
No. Tenants insure their own contents with a renters policy. Many landlords now require proof of it in the lease.
What about a property sitting empty?
Most policies restrict cover after 30 to 60 days vacant. Tell us before a unit goes empty and we endorse it rather than letting a claim get denied later.
Often taken together
Related cover
Homeowners Insurance
Structure, contents, liability and the cost of living elsewhere while repairs happen.
Read more →
Quote Landlord Insurance
Tell us what you already have and we will show you where this fits — or tell you plainly that you do not need it.