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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. 

 

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.

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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. 

We offer options for varying benefits and cover across our custom landlord insurance policies. The information presented below contains a brief description of each of our policy covers and the circumstances under which they may be appropriate. You’ll be able to compare events, from accidental loss or damage to your building or contents to loss of rent, tenant's default and legal liability, all with the click of a button.  

This is designed to help you decide which insurance product cover will meet the specific needs of your property and clients and helps you compare between policies. Expand each section to read more about the product feature for easy comparison. 

Finding the right custom landlord insurance policy requires careful consideration. Make sure you assess your client’s property value, consider potential risks like tenant damage or vacant periods and determine essential coverages such as building insurance, loss of rent and additional coverage for high-value contents such as appliances. 

At SGUA, you also have the flexibility to pick and choose your must-have coverage options, sums insured amounts and excesses to build your perfect custom landlord insurance policy. We help you choose a policy that aligns with your client’s specific needs and one that offers adequate protection for your investment.

For more information about our range of custom landlord insurance policies, please read our Product Disclosure Statements or contact us directly.  

SGUA — reliable custom landlord insurance policies for Australian insurance brokers

Since 1991, we’ve been the trusted provider of customised landlord insurance for insurance brokers across the country. With comprehensive coverage options and the ability to build your own policy from scratch, we help insurance brokers make the right decisions regarding the safety of their client’s investments. 

For more information about our range of custom landlord insurance policies or to inquire about a quote, please do not hesitate to get in touch with SGUA today.

Cover Type
Standard Landlord Cover
Customised Cover
SLC Value Plus
Customised Value Plus

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
SLC Value Plus
Customised Value Plus

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
SLC Value Plus
Customised Value Plus

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
SLC Value Plus
Customised Value Plus

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
SLC Value Plus
Customised Value Plus

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
SLC Value Plus
Customised Value Plus

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.

 

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