Compare Landlord Insurance
Landlord insurance can help give you peace of mind that your investment property is protected. Our comparison table lets you review policy features, inclusions and Star Ratings to help find the right policy for you.
Instantly compare 40+ Canstar expert rated policies based on the inputs below
- Theft by tenant
- Malicious damage by tenant
- Rental default
- Pay monthly at no extra cost
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- Theft by tenant
- Malicious damage by tenant
- Rental default
- Pay monthly at no extra cost
- Theft by tenant
- Malicious damage by tenant
- Rental default
- Pay monthly at no extra cost
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Cover for fire, theft, storm, flood, and more
- Theft by tenant
- Malicious damage by tenant
- Rental default
- Pay monthly at no extra cost
- Theft by tenant
- Malicious damage by tenant
- Rental default
- Pay monthly at no extra cost
- Theft by tenant
- Malicious damage by tenant
- Rental default
- Pay monthly at no extra cost
- Theft by tenant
- Malicious damage by tenant
- Rental default
- Pay monthly at no extra cost
- Theft by tenant
- Malicious damage by tenant
- Rental default
- Pay monthly at no extra cost
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The initial results in the table above are sorted by Star Rating (High-Low) , then Provider Name (Alphabetical) . Additional filters may have been applied, see top of table for details.
Latest in landlord insurance
What is landlord insurance?
Landlord insurance can cover you for a range of different insured events, depending on the policy you choose, from the usual home insurance inclusions for fire and natural disasters, to incidents related to your tenants’ lease, including:
- theft
- malicious damage and vandalism
- loss of rent due to tenant default
- legal expenses required to evict a tenant.
There are also policies available to cover short-term rental landlords who use sites like Airbnb, Stayz and Flatmates.com.au to rent out a room or part of their home property, such as a granny flat.
If homeowners aren’t covered and a renter or guest damages their property, they could end up paying for expensive repairs on their own, or they could face expensive public liability claims if a renter is injured while staying on their property.
What is the difference between home insurance and landlord insurance?
A home insurance policy is a type of cover that is designed to protect homeowners in the event of financial loss if their property is damaged. There are several different types available:
- home insurance, to cover for damage to the structure of a property,
- contents insurance, to cover possessions, or
- combined home and contents insurance, to cover both.
Landlord insurance is a specific type of home insurance that is designed to cover many of the same risks as home and contents insurance, but also risks that may be particular to a rental property. Among other things, this can include the cost of repairs for damage caused by tenants, and the cost of legal expenses if tenants need to be evicted.
Suncorp Insurance says that home and landlord insurance are different things, and cautious that home insurance may not cover you if your property is rented out to tenants and you receive an income as a landlord. If in doubt, it is recommended to read the product disclosure statement (PDS) of your insurance to find out exactly what you’re covered for, and contact your provider if you have any questions.
How can you compare landlord insurance?
Canstar compares landlord insurance with our unique landlord insurance Star Ratings methodology, comparing both pricing and features to rate the overall value of an insurance product. The results are reflected in our consumer-friendly Star Ratings concept, with a 5-Star Rating signifying an insurance policy that, according to the findings of our expert Research team, offers outstanding value.
Canstar compares thousands of quotes across each of the states and territories in Australia, assessing dozens of policies and providers on our database.
Some of the features Canstar compares for landlord insurance are:
- premiums
- excesses
- application process
- cover for events such as:
- malicious damage to building and/or contents
- theft or burglary
- tenant default
- flood damage
- storm damage
- electric motor fusion
- customer service
- claims channels
- cancellation process.
You can read the full landlord insurance Star Ratings and Awards report or compare landlord insurance yourself, based on your own property requirements, using the comparison selector tool at the top of the page.
Landlord insurance FAQs
About the author
Alasdair Duncan, Senior Finance Journalist
Alasdair Duncan is a Senior Finance Journalist at Canstar, specialising in home loans, property and lifestyle topics. He has written more than 200 articles for Canstar and his work is widely referenced by other publishers and media outlets, including Yahoo Finance, The New Daily, The Motley Fool and Sky News. He has featured as a guest author for property website homely.com.au. In his more than 15 years working in the media, Alasdair has written for a broad range of publications. Before joining Canstar, he was a News Editor at Pedestrian.TV, part of Australia’s leading youth media group. His work has also appeared on ABC News, Junkee, Rolling Stone, Kotaku, the Sydney Star Observer and The Brag. He has a Bachelor of Laws (Honours) and a Bachelor of Arts with a major in Journalism from the University of Queensland. When he is not writing about finance for Canstar, Alasdair can probably be found at the beach with his two dogs or listening to podcasts about pop music.
This content was reviewed by Editor-in-Chief Nina Tovey as part of our fact-checking process.
Important information
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This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.