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Custom Landlord Insurance

Get comprehensive cover for the things that matter to you. Know that your clients will be protected against life’s most unpredictable moments with SGUA’s customised landlord insurance. Whether you’re after stand-alone building insurance or combined building and landlord cover, we have a range of specialised insurance products designed to protect residential investment properties.

Compare our custom landlord insurance policies and get in touch with SGUA for a tailored quote.

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Is your property a holiday / short term rental? View our holiday property insurance options here →

Landlord Property Protection Products.

As a broker, you know how important it is to safeguard your client’s assets by any means necessary. As no two properties are the same, and no two properties need the same level of coverage, customised landlord insurance becomes essential.

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Landlord Cover

Product: Standard Landlord Cover

Insurance that is designed for units, apartments & villas where the building is insured with a body corporate or freestanding homes where the building is insured elsewhere. This cover also include legal liability up to $20 million.

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Building & Landlord Cover

Product: Custom Landlord Cover

Insurance that is designed for freestanding or terrace homes where building, contents and landlord covers are required. This cover also includes legal liability up to $20 million.

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Customised Cover

Product: Customised Cover

Pick and choose your required sections of cover, sums insured and excesses to add to your building and/or contents cover.

Compare our Customised Landlord Insurance Products

Unsure of which custom landlord insurance policy is suitable? We understand how overwhelming it can be to have so many options in front of you, which is why we’ve made it easy to compare our custom landlord insurance coverage levels and products.
Cover Type
Standard Landlord Cover
Customised Cover

Accidental physical loss or damage to your building
Not Available
The sum Insured for your Building except for fences and gates located at your Risk Address.
The most we will pay for Damage to any fences or gates located at your Risk Address is $20,000 per Claim.
Theft, attempted theft or burglary
Not Available
Up to 10% of the Sum Insured for your Building
Removal of Debris
Not Available
Up to 10% of the Sum Insured for your Building in addition to the Sum Insured for your Building
Professional and Authority Fees
Not Available
$30,000 per Claim in addition to your Sum Insured or up to 10% of the Sum Insured for your Building, whichever is the lesser
Exploratory Costs
Not Available
Up to $5,000
Locks & Keys
Not Available
Up to $1,000
Landscaping, Trees, Plants and Shrubs
Not Available
Up to $2,000
Loss of Metered Water or Gas
Not Available
Up to $500
Temporary Repairs
Not Available
Reasonable costs to prevent further loss or damage within the Sum insured
Rainwater Tank
Not Available
Up to $1,500
Solar Panels
Not Available
Up to $2,000
Mortgage discharge costs
Not Available
Up to $5,000
Tax Audit Fees
Not Available
Up to $5,000

(This is the total limit of your Policy regardless of whether you have Building cover, Contents cover, or both Building and Contents cover)

Fumigations Costs
Not Available
Up to $5,000

(This is the total limit of your Policy regardless of whether you have Building cover, Contents cover, or both Building and Contents cover)

Legal Expenses
Not Available
Up to $7,500

(This is the total limit of your Policy regardless of whether you have Building cover, Contents cover, or both Building and Contents cover)

Electric Motor Burnout
Not Available
Motor replacement up to 15 years of age
Production of controlled drugs - clean up and repair of Damage caused by controlled drug activity
Not Available
Up to $60,000

(This is the total limit of your Policy regardless of whether you have Building cover, Contents cover, or both Building and Contents cover)

Cover Type
Standard Landlord Cover
Customised Cover

Accidental physical loss or damage to your Contents
Up to $70,000
Up to the Sum Insured for your Contents
Theft, attempted theft or burglary
Up to $70,000
Up to the Sum Insured for your Contents
Removal of Debris
Up to 10% of the Sum Insured

(in addition to the Sum Insured for the Contents)

Up to 10% of the Sum Insured

(in addition to the Sum Insured for the Contents)

Locks and Keys
Up to $1,000
Up to $1,000
Temporary Repairs
Reasonable costs to prevent further loss or damage within the Sum insured
Reasonable costs to prevent further loss or damage within the Sum insured
Tax Audit Fees
Up to $5,000

(This is the total limit of your Policy regardless of whether you have Building cover, Contents cover, or both Building and Contents cover)

Up to $5,000

(This is the total limit of your Policy regardless of whether you have Building cover, Contents cover, or both Building and Contents cover)

Fumigations Costs
Up to $5,000

(This is the total limit of your Policy regardless of whether you have Building cover, Contents cover, or both Building and Contents cover)

Up to $5,000

(This is the total limit of your Policy regardless of whether you have Building cover, Contents cover, or both Building and Contents cover)

Electric Motor Burnout
Motor replacement up to 15 years of age
Motor replacement up to 15 years of age
Legal Expenses – to minimise your loss of rent
Up to $7,500

(This is the total limit of your Policy regardless of whether you have Building cover, Contents cover, or both Building and Contents cover)

Up to $7,500

(This is the total limit of your Policy regardless of whether you have Building cover, Contents cover, or both Building and Contents cover)

Production of controlled drugs - clean up and repair of damage caused by controlled drug activity
Up to $60,000

(This is the total limit of your Policy regardless of whether you have Building cover, Contents cover, or both Building and Contents cover)

Up to $60,000

(This is the total limit of your Policy regardless of whether you have Building cover, Contents cover, or both Building and Contents cover)

Cover Type
Standard Landlord Cover
Customised Cover

Loss of rent as a result of damage that is insured by and accepted under your Policy and your risk address becomes uninhabitable for a period of 7 consecutive days or more
Up to 52 weeks rent, up to a maximum of $1,250 per week
Up to 52 weeks rent, up to a maximum of $1,250 per week or as otherwise listed on your Certificate of Insurance
Prevention of Access
Not available
Up to 52 weeks rent, up to a maximum of $1,250 per week or as otherwise listed on your Certificate of Insurance
Cover Type
Standard Landlord Cover
Customised Cover

Deliberate Damage by Tenants
Up to $70,000
Up to the Sum Insured for your Building
Up to $70,000 for your Contents
Damage by Pets
Up to $5,000
Up to $5,000

(This is the total limit of your Policy regardless of whether you have Building cover, Contents cover, or both Building and Contents cover)

Theft by tenants
Up to $70,000
Up to the Sum Insured for your Building
Up to $70,000 for your Contents
Garbage Removal
Up to $500
Up to $500

(This is the total limit of your Policy regardless of whether you have Building cover, Contents cover, or both Building and Contents cover)

Legal Expenses
Up to $7,500
Up to $7,500

(This is the total limit of your Policy regardless of whether you have Building cover, Contents cover, or both Building and Contents cover)

Cover Type
Standard Landlord Cover
Customised Cover

Departure without notice and/or payment
Up to 20 weeks rent up to a maximum of $1,250 per week
Up to 20 weeks rent up to a maximum of $1,250 per week or as otherwise listed on your Certificate of Insurance
Court, tribunal or relevant authority ordered termination
Up to 20 weeks rent up to a maximum of $1,250 per week
Up to $1,000 for the cost of rekeying locks following a court, tribunal or relevant authority ordered termination
Up to 20 weeks rent up to a maximum of $1,250 per week or as otherwise listed on your Certificate of Insurance
Up to $1,000 for the cost of rekeying locks following a court, tribunal or relevant authority ordered termination
Death, Murder or Suicide (or attempted murder or suicide)
Up to 26 weeks rent up to a maximum of $1,250 per week
Up to 26 weeks rent up to a maximum of $1,250 per week or as otherwise listed on your Certificate of Insurance
Financial Hardship
Up to 12 weeks rent up to a maximum of $1,250 per week
Up to 12 weeks rent up to a maximum of $1,250 per week or as otherwise listed on your Certificate of Insurance
Domestic Violence
Up to 20 weeks rent up to a maximum of $1,250 per week
Up to 20 weeks rent up to a maximum of $1,250 per week or as otherwise listed on your Certificate of Insurance
Garbage Removal
Up to $500

(This is the total limit of your Policy regardless of whether you have Building cover, Contents cover, or both Building and Contents cover)

Up to $500

(This is the total limit of your Policy regardless of whether you have Building cover, Contents cover, or both Building and Contents cover)

Legal Expenses
Up to $7,500

(This is the total limit of your Policy regardless of whether you have Building cover, Contents cover, or both Building and Contents cover)

Up to $7,500

(This is the total limit of your Policy regardless of whether you have Building cover, Contents cover, or both Building and Contents cover)

Re-letting fees
Up to $500
Up to $500
Cover Type
Standard Landlord Cover
Customised Cover

Legal liability to pay for personal injury or property damage in connection with your ownership of your building and/or contents
Up to $20 million
Up to $20 million

(This is the total limit of your Policy regardless of whether you have Building cover, Contents cover, or both Building and Contents cover)

For full details on what's covered per product, please read our Product Disclosure Statements.

 

Read More
More about our Landlord Property Protection Products.
More about our Customised Landlord Insurance Products
Who is SGUA?

SGUA understands the varying needs of Australian investors and has curated a range of customised landlord insurance policies to suit your client’s needs. Whether for a freestanding residential property, a terrace home or an apartment, we’ve made it easy to compare and apply for a policy that’s right for you.

This Policy is designed to cover investment properties for Accidental loss or Damage, helping to protect against specific financial losses related to such incidents and ensuring peace of mind for covered events. Legal liability of up to $20 million is also available across our standard Landlord and custom Building and Landlord insurance policies for added assurance in the worst-case scenario.

Once you found the right customised landlord insurance policy for your client, get in touch with SGUA for a quote.

For more than 30 years, SGUA has been providing trusted insurance services for Australian landlords across the country. We understand better than most what investors appreciate in an insurance policy and have created a comprehensive solution that fits their needs. 

Some of the key events covered under the SGUA building and landlord insurance policy are: 

  • Accidental damage — This includes accidental damage caused by tenants or their guests, ensuring that unforeseen mishaps do not result in out-of-pocket expenses.
  • Theft and vandalism — This optional coverage provides protection against theft or vandalism (up to the sum insured amount), whether committed by tenants, their guests or outsiders. 
  • Natural disasters — Coverage against natural events such as storms, floods and bushfires, ensuring your property is protected against Australia’s unpredictable weather.
  • Loss of rent — If the property becomes uninhabitable due to insured damage, the policy covers the loss of rental income for up to 52 weeks during the repair period.

For a full list of covered events under the SGUA building and landlord insurance policy, please browse our latest product disclosure statement (PDS).

Secure your investment with SGUA’s comprehensive landlord insurance. With over 30 years of experience, we provide tailored coverage to protect your property and financial interests. Trust SGUA for reliable, investor-focused insurance solutions. Explore our landlord insurance options and ensure peace of mind for your rental properties — get in touch for a quote today.

We pride ourselves on our excellent levels of service with our specialized team here to support you as much as possible. We do understand that misunderstandings may occur from time to time, and that we may not always meet your expectations. If this happens:

  • Please feel free to speak to us and voice your concerns. We appreciate any feedback that we may be able to build our service upon.
  • If your concern is not addressed to your satisfaction, we may involve a team leader, or the department manager, to help resolve the situation. 
  • We will always provide you with our dispute resolution procedures, where you are able to further escalate the matter and voice any unresolved disputes and/or complaints. 
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