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Trusted Rental Property Insurance Services in Australia

Providing cover for Property Insurance since 1991
Your investment property is one of the most significant assets you’ll own. Ensure it’s properly covered with comprehensive property insurance from SGUA. For a tailored plan that fits your needs, consult your insurance broker about our products today. For more details, visit our contact page.

SGUA — Providing cover for Property Insurance since 1991

Protecting Residential Investment
Property for over 30 years

Whether you’re a new investor or a seasoned professional, securing rental property insurance is a critical step in safeguarding your investment.

Think of your property insurance policy as a safety net when disaster strikes. SGUA’s rental property policies provide comprehensive coverage across a range of unforeseen disasters, from fires to storms and unexpected issues, such as payment default from tenants.

Bottom line, without investment property insurance, unexpected events can quickly turn a valuable asset into a costly liability, jeopardising your financial future. Explore property insurance policies available with SGUA and get in touch for a quote.

Some of our Partners

SGUA partners with some of the biggest names in the insurance sector to deliver top-tier and extensive coverage to our customers. Check out some of the partners we’re proud to work with.

Landlord Property Protection Insurance

Long Term Tenancy

Specialised insurance products designed to protect residential investment properties. Choose between fixed packages or tailored solutions.

Holiday Property Protection

Short Term Tenancy and Owners Use

Specialised insurance products for short-term holiday rental accommodation or used as a secondary residence for owners. Perfect for Airbnb, Stayz, Wotif and more! Choose between fixed packages or tailored solutions

Use our easy claims process

We know landlord insurance claims come at an extremely stressful time. With aound-the-clock claims lodgement available online and additional support over the phone, we're there for you when you need us.

Once we've received your claim, we'll let you know if we need more information.

Why Choose Us

As a specialist Underwriter for property insurance, we pride ourselves as a market expert and being able to provide a professional service to our customers. Becoming a SGUA customer means knowing you’ll have support during life’s most stressful moments. Trust the experienced team at SGUA to give you the assurance you need.

Wide Cover

Insurance products with broad cover, high limits and additional benefits.

Personal Cover

Our claims team is dedicated to getting you back on track quickly in the event that something should go wrong.

Australian Based

We are Australian based and operated and have been providing insurance products since 1991.

SGUA — quality property insurance cover

At SGUA, we understand that protecting your investment property is crucial. Our tailored rental property insurance solutions are designed to safeguard your assets against unexpected events, ensuring peace of mind and financial security. With decades of expertise and a focus on comprehensive coverage, we offer policies that protect against tenant issues, property damage and income loss. Trust us to provide the protection your investment deserves.

Don't leave your property's future to chance — get a property insurance quote today and see how we can help secure your real estate investments for the long term.


Rental property insurance, or landlord insurance, is designed to provide property owners with financial protection against losses related to their rental properties. This type of insurance typically covers damage to the property from fire, storm or other risks, as well as loss of rental income due to tenant default or property unavailability. It also often includes liability coverage, which protects the landlord in case of injuries or accidents on the property.
Rental property insurance typically covers damage to the building caused by fire, severe weather and other risks, such as vandalism. It often includes liability protection in case someone is injured on the property, safeguarding the landlord against potential lawsuits. Insurance for rental properties can also cover loss of rental income, ensuring landlords maintain their cash flow if the property becomes temporarily uninhabitable due to covered damages or tenant issues.

As a specialist underwriter, SGUA offers a wide range of cover options to suit the needs and coverage preferences of a range of investors, from standard landlord protection to comprehensive holiday property protection.
When obtaining a property insurance quote, insurers consider several factors, including the property's location, which can affect risk exposure to natural disasters or crime. The type and age of the building also influence premiums, as older properties may pose higher risks. Additionally, the level of coverage desired, such as for building, contents and liability and the rental income generated, also come into play.
SGUA offers a range of property insurance coverage options, including specific policies for landlords. These policies protect residential investment properties under long-term tenancies or holiday properties used for short-term stays or as secondary residences. Coverage typically includes building and contents protection, legal liability up to $20 million and loss of rent due to various defined events.

For landlords, SGUA provides policies that can be customised or chosen from fixed home and contents packages to suit different needs. These policies cover accidental physical loss or damage to contents, theft, legal expenses and tenant-related damages like deliberate destruction or damage caused by pets. They also cover the clean-up and repair costs associated with the production of controlled drugs.
The coverage amount for your property insurance should ideally match the full replacement cost of your property. This ensures that in the event of total loss, you can rebuild your home or property without incurring additional financial burdens. Include the cost of materials and current construction prices in your area to determine this amount accurately.
Some common exclusions in property insurance policies typically include natural disasters such as floods and earthquakes, intentional damage caused by the property owner, normal wear and tear and damage from vermin or insects.
Replacement cost coverage reimburses you for the cost to replace damaged or destroyed property with new materials, without factoring in depreciation. Actual cash value (ACV) coverage pays out based on the depreciated value of the property at the time of the damage or loss, which may be less than the cost to replace it. This typically makes replacement cost coverage more comprehensive than ACV.
Yes, it's advisable to get additional insurance for high-value items. Standard property insurance policies typically have lower limits for these items, so adding extra insurance ensures full coverage for their actual value, protecting against theft or damage.

Customer Reviews

For the past 30 years, we’ve been providing outstanding service 
to our customers. Here’s what a few of them have to say.

5/5 Rating

I would like to say a huge thank all around to the team at SGUA. Since May this year we have had quite a few properties fences that have come down with storms and myself and my property management team have had dealings with your claims department and I must say in all my years of property management SGUA are right up at the top for fast, efficient and wonderful service.

Encore Property Group

5/5 Rating

Simply the best. I have worked with a lot of insurance companies over the past 15+ years in property management but none compare with SGUA and TICA. They have a very experienced team that are easy to deal with during a claim and always make themselves available to discuss scenarios and to give advice. I can't recommend them enough.

David Crash

5/5 Rating

Would highly recommend SGUA for your insurance needs. They have very friendly and professional staff and their claims team are fantastic and process their claims quickly and efficiently.

Suzanne Brown