Landlords Insurance For Australian Rental Property Owners
Landlords insurance is designed for rental property owners facing risks such as tenant damage, lost rent and liability claims. Understanding building, contents and rental income cover can help you explore protection for your investment.
Explore our landlord insurance articles, calculators and insurance news ... or connect with a participating insurance broker from our Australia-wide referral partner network who can discuss your needs and compare available rates and options.
Building Cover
Landlord Contents Cover
Tenant Damage Risks
Rent Defaults
Loss of Rent
Property Liability Risks
Landlords insurance quotes are provided by a selected broker from our referral network and may not represent all providers in the market. We may receive a referral fee at no cost to you. We do not provide financial advice or credit assistance directly.
At Insurance Online, we refer your enquiry to a participating insurance broker who can help you seek affordable landlord insurance quotes tailored to your needs. Whether you need building and contents insurance to safeguard your property or rental income protection to cover lost earnings, the options available through our participating brokers are designed to give landlords peace of mind.
Why Do You Need Landlord Insurance?
Protect against tenant damage: Can provide cover for certain accidental or malicious damage to your property.
Safeguard rental income: May include cover for loss of rent in specified situations, such as when your tenants can’t pay or the property is uninhabitable.
Liability protection: Can help protect you financially if someone is injured on your property and you are found legally liable.
Compare Policies Through a Broker
Compare landlord insurance options available through a participating Australian insurance broker after referral, and explore policies that fit your budget and property type. Comparison is limited to quotes and products available through the referred broker and may not cover all providers in the market. Features, limits and exclusions vary between insurers and policies, so always check the Product Disclosure Statement (PDS) or ask your broker for details.
Get a Quote Today
Don’t leave your investment unprotected. Request a landlord insurance quote online and take a step toward choosing cover that helps protect your property.
Insurance Calculators
Need some help calculating your landlord's insurance coverage requirements? Try our Landlords Insurance Calculator to make the job quick and easy!
Visit our extensive library of informative Landlords Insurance Articles, the latest Insurance Online News, and listen to the latest episode of our News Podcast to stay in the loop with what's happening, why it matters to you, and some key takeaways you can use.
Landlords Insurance Online does not provide financial product advice or claims assistance directly. After you submit a quote request, your enquiry is referred to a participating licensed insurance broker from our Australia-wide referral partner network. The broker can discuss quote comparisons and any personal advice or claims assistance available within their service and authorisation.
Your enquiry may be allocated to a participating insurance broker based on factors such as the product category you select, geographic service area, availability and commercial bidding settings, using information supplied in your landlords insurance quote request. For this reason, it is important that you provide complete and accurate answers when you submit your enquiry.
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A federal parliamentary inquiry examining small business insurance has pushed its final report from 27 October 2026 to 26 February 2027, extending the wait for recommendations on affordability, availability and regulation. For Australian businesses that rely on public liability insurance, the delay matters because the inquiry is looking directly at whether modern cover is meeting the needs of small firms, not-for-profits and community organisations. - read more
A new Life Code Compliance Committee inquiry has sharpened attention on how life insurers manage longer-running total and permanent disability and income protection claims, finding that earlier information requests and clearer communication could reduce avoidable delays for people already dealing with illness, injury or loss of income. - read more
Australian restaurants and cafes may be entering a more competitive phase for liability insurance, but the latest market analysis suggests owners should avoid treating softer pricing as a signal that risk has reduced. KPMG Australia's October 2026 liability insurance review, drawing mainly on APRAs National Claims and Policies Database to December 2024, points to moderating pricing momentum after several years of premium strengthening, while also highlighting uneven claims experience across public liability and related classes. - read more
Fresh commercial insurance data points to a more buyer-friendly market, but Australian truck operators should be careful not to read the headline fall as a simple forecast for cheaper heavy vehicle cover. Marsh’s Q3 2026 Global Insurance Market Index, released on 21 October 2026, reported a 12 per cent fall in Pacific commercial insurance rates for the quarter, led by property and supported by strong insurer competition. - read more
Australian trade businesses heading into renewal season may find the commercial insurance market more competitive than it has been for several years, with recent industry updates pointing to softer pricing across several business insurance classes. For tradies, that does not automatically mean every premium will fall, but it does create a useful moment to review whether cover still matches the way the business actually works. - read more
In recent years, short-term rentals have exploded in popularity across Australia. Platforms like Airbnb and Stayz have transformed how people approach accommodation, offering unique experiences that hotels often can't match. Whether it's a beachfront apartment in Sydney or a cozy cottage in the countryside, these rentals appeal to a wide range of travellers seeking flexibility and local charm. - read more
If your rental property is part of a strata scheme, the building may already be insured through the owners corporation or body corporate. However, strata insurance and landlord insurance usually protect different risks, so Australian landlords should understand where cover may overlap, where gaps can exist and what questions to ask before choosing a policy. - read more
Landlord insurance is a specialized type of insurance designed to protect property owners who rent out their properties. While standard home insurance covers owner-occupied homes, landlord insurance provides additional coverage for risks associated with tenants. This includes protection against damages to the property, loss of rental income, and liability claims arising from tenant-related incidents. - read more
Australian landlords may be able to claim landlord insurance premiums as a rental property expense when the cover relates to earning rental income. The details can depend on how the property is used, what the policy covers and your individual tax position. - read more
Landlord insurance is a specialized type of insurance designed to protect property owners from potential risks associated with renting out their property. Unlike standard home insurance, which typically covers owner-occupied residences, landlord insurance offers tailored coverage that addresses the unique challenges faced by landlords. - read more
Knowledgebase
Premium: The amount paid for an insurance policy, usually on a regular basis, to maintain coverage.
