300x164 Sgua Logo found on top of the website
Submit a Claim

Comprehensive Landlord Insurance

Specialised insurance products designed to protect residential investment properties.

An image of an aesthetic dining table with a chair on the side

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

Landlord Property Protection Products.

This Policy is designed to cover your investment property for Accidental loss or Damage helping to protect your investment against financial loss and providing you peace of mind.

An image of an interior modern house

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.

An image of a lawn and an entrance of a big white house

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.

A woman and a guy holding boxes.

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 Products

Unsure of which insurance policy is for you? We offer options for varying benefits and cover. The information presented below contains a brief description of each of our policy covers and the circumstances under which they may be appropriate.

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

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.

 

Read More
chevron-downarrow-left