Compare Landlord Insurance

Switching landlord insurance policies

Switching landlord insurance providers is fairly straightforward—but a little prep can help you land better cover (and potentially a sharper price).

Here are a few things you can do before locking in a new policy:

1. Review your current policy: Start with the basics. What are you currently paying, what are you covered for, and where are the gaps? Having this clear from the start will make it much easier to compare other offers in the market.
2. Reassess what you actually need: Been a while since you took a good look at your policy? Your situation can change over time, so it’s worth a quick reset before you switch:
3. 1. Estimate your property’s rebuild cost (not just its market value) using an online calculator
   2. Take inventory of its contents, such as carpets, blinds and air conditioners and any other appliances or furniture that you own.
   3. Think about the risks you face—for example, are bushfires or floods a real concern in your area?

This step can help you avoid being underinsured (or overpaying for cover you don’t need).

3. Compare your option: Use Canstar’s comparison tool to quickly compare a wide range of landlord insurance policies from our Online Partners. Filtering by features, price and inclusions can help you quickly narrow the field to policies that suit your needs.
4. See if your current insurer will offer you a deal: Before jumping ship, it can pay to give your existing insurer a call.  Letting them know you’re considering switching could unlock a discount or help you tweak your cover to better suit your budget.
5. Make the switch: Once you’ve found a policy you’re happy with, you can apply online or over the phone. The process is typically quick and similar to setting up any new insurance policy.
6. Cancel your old policy (after the new one starts): Once your new policy is up and running, be sure to cancel your old one. Depending on your policy terms, you may be eligible for a partial refund of unused premiums.

A little bit of legwork upfront can go a long way in making sure your new policy actually works for you—not just your wallet.

Who provides the best landlord insurance in Australia?

There is no one ‘best’ landlord insurance provider, as the best one for you will be the one with a policy that meets your needs and budget. That said, if you’re comparing landlord insurance, Canstar’s Landlord Insurance Awards recognise the providers that offer outstanding value to customers around Australia. 

Our most recent award winners are:

National Outstanding Value award winners

• AAMI - Contents Cover
• QBE - Building & Contents
• Suncorp Insurance - Contents Cover

State and territory Outstanding Value - Building & Contents award winners

• AAMI - QLD (Rockhampton and all areas south)
• QBE - NSW, North QLD (north of Rockhampton), NT, SA, TAS, WA and VIC

State and territory Outstanding Value - Contents Cover award winners

• AAMI - NT and VIC
• Suncorp Insurance - NSW, North QLD (north of Rockhampton), QLD (Rockhampton and all areas south), SA, TAS and WA 

Why compare landlord insurance

Even a small disaster can be costly. Whether it’s a storm, fire, or unexpected damage caused by tenants, the cost of repairs or rebuilding can quickly add up. That’s why landlord insurance is so important in protecting your asset. If your investment property is financed with a loan, building insurance is usually required and is included as part of most landlord policies.

Landlord insurance can also protect you if tenants default on their lease or accidentally damage your property, helping you avoid out-of-pocket expenses.

It’s worth comparing options for a few key reasons:

• To find out if you could save on insurance premiums without compromising on the cover you need
• To find a policy that matches your situation, especially with regards to cover for events like floods
• To see if you can save money by bundling different types of insurance you already have

How to choose landlord insurance

Insurers are required to provide customers with a ‘key fact sheet’, outlining everything that’s covered in a policy. These sheets are standardised by the government, so you can compare policies like for like. That said, there’s still a lot of information you’ll need to take in, and comparing policies can be overwhelming, so here are the main things to consider: 

Coverage amount

Make sure you understand exactly what’s covered. Your sum insured amount is the maximum payout you’ll receive if your property or contents are damaged or destroyed. Check that it’s enough to fully cover your property—you don’t want to be left out of pocket if you need to make a claim. So make sure that this suits your needs and you won’t be left with a shortfall should you need to claim. 

Insured events and sub-limits 

Check that the policy covers the events you’re concerned about, such as storms, floods, or tenant-related damage. Some policies will have sub-limits, which cap payouts in certain categories. Check to make sure you know what these are and how they apply, so you’re not caught out.

Excess vs premiums

When purchasing insurance, there's usually a trade-off between a higher excess and lower premiums. Opting for a higher excess can reduce your ongoing costs, but means you’ll pay more upfront if you need to make a claim. When comparing, choose an excess you’re comfortable with, while keeping your premiums manageable.

Optional extras and add-ons

Many landlord insurance policies typically offer a range of optional extras, such as accidental damage caused by tenants, loss of income if your tenants were to default and motor burnout (for the repair or replacement of motors in built-in fixtures like air-conditioning units and garage doors). Some providers even offer flood cover as an optional add-on feature. Decide which options you actually need—or don’t—to get the right balance of cover and cost.

Claim limits, conditions and waiting periods

Take note of any policy requirements, such as security or flood mitigation measures that your property might need. Similarly, check for any exclusions, waiting periods and limits, for example, how long lost rental income is covered if repairs take time. 

The claims experience

Research insurers’ reputations. Look for reviews and feedback about the quality of their customer service, how complaints are handled, and the ease of the claims experience. 

Discounts and bundling options

You may be able to snag a discount if your chosen insurer offers a sign-up bonus, or if you can bundle up your landlord insurance with your personal home or car insurance for a multi-policy discount. A number of providers will also offer a discount when you purchase a policy online. Discounts are appealing, but make sure the policy still meets your needs and fits your budget.

What’s the difference between home insurance and landlord insurance?

Landlord insurance is designed to help protect you financially if something unexpected happens to your rental property or rental income. Having a suitable policy in place can help cover your investment property if it’s damaged or destroyed due to a range of different insured events, such as theft, malicious damage or natural disasters. 

It differs from regular home insurance policies as it also provides cover for tenant-specific events, for example, the loss of rent due to a tenant defaulting or legal expenses incurred to evict a tenant.

Home insurance will only cover a property you live in, but usually will not cover your property if you plan to rent it out to tenants and receive an income as a result. Landlord insurance generally covers you for the same insured events as a regular home insurance policy, but with additional tenant-related events covered as well.

It’s worth considering home insurance if:

• You live in the property yourself (owner-occupied)
  
• You want protection for your personal belongings inside your home
  
• You want cover for damage to the building from events like fire, storm, theft, or vandalism
  
• You want liability cover in case someone is injured on your property
  
• You want peace of mind knowing the property and your possessions are protected from unexpected events
  
• You do not plan to rent out the property (as standard home insurance may not cover tenant-related risks)

How much does landlord insurance cost?

The cost of landlord insurance varies significantly between individual street addresses, postcode areas and housing types, as well as other factors. To give you a broad idea of the potential cost, Canstar’s Research Team has compiled the following general estimates, based on research carried out for Canstar’s Landlord Insurance Star Ratings and Awards.

Average annual Australian landlord insurance premiums ($1,000 excess)

Source: www.canstar.com.au - 17/03/2026. Based on landlord building and contents insurance products on Canstar's database. Premiums based on quotes obtained from Canstar’s Landlord Insurance Star Ratings & Awards (March 2026).

How much have prices increased over the last 12 months?

According to the same March 2026 figures from Canstar Research, average landlord insurance costs rose by $93 (3.65%) for houses and $2 (0.46%) for units in 2026 compared to national averages the previous year.

What does landlord insurance cover?

While cover can vary between insurers and policies, most landlord insurance policies include a combination of building cover, rental protection and landlord-specific risks. 

A typical landlord insurance policy may cover some or all of the following:

Tenancy cover

• Theft or burglary: Cover typically includes theft or burglary by tenants, their guests, or other intruders, helping you repair damage and replace stolen property.
  
• Malicious damage or vandalism: Policies often protect against intentional damage caused by tenants or their guests, including broken fixtures, graffiti, or other acts of vandalism.
  
• Loss of rent: If a tenant defaults or breaks lease, some policies can cover the resulting loss of income while you find a replacement tenant.
  
• Legal expenses to evict a tenant: Many landlord insurance policies include cover for legal costs if you need to evict a tenant, helping you navigate disputes without bearing the full expense yourself.
  
• Public liability cover: If someone is injured while visiting your rental property, landlord insurance can help cover legal liability costs, providing peace of mind for unexpected accidents.
  
• Damage caused by a tenant’s pet: Certain policies may cover damage caused by pets that tenants keep on the property, including scratched floors, chewed furnishings, or other pet-related damage.
  
• Costs associated with removing tenant belongings or changing locks: If a tenant abandons the property, landlord insurance may cover the costs of removing their contents or changing the locks to secure your property.

Building cover

Building cover under landlord insurance protects the physical structure of your rental property and certain fixtures, helping you manage unexpected damage and related costs. 

Typical cover may include:

• Structural damage: Repairs to the main building caused by insured events such as fire, storms, lightning, or vandalism.
  
• Fixtures and fittings: Coverage for permanent features of the property, including pipes and cables, toilets, showers, built-in wardrobes, and other fixed installations. Some fixtures, such as built-in appliances, may be classified differently by different insurers, so check your policy wording.
  
• Outbuildings: Protection for structures on the property such as sheds, garages, carports, fences, or gates.
  
• Loss of rent: If your property becomes unlivable due to an insured event, some policies may cover lost rental income while repairs are underway.
  
• Optional extras: Certain insurers may offer additional cover for accidental damage to the building or natural disasters beyond standard events (e.g., flooding), which can sometimes be added to your policy.

Contents cover

Contents cover protects items you own in a rental property, particularly if it’s furnished, and can help reduce out-of-pocket costs if these items are stolen or damaged. Typical cover may include:

• Furniture: Items like beds, tables, chairs, built-in wardrobes, and other furnishings you provide in the rental property.
  
• Appliances: Protection for items such as ovens, dishwashers, refrigerators, washing machines, and dryers supplied with the property.
  
• Carpets, curtains, and blinds: Coverage for soft furnishings and window treatments against theft, damage, or certain insured events.
  
• Tenant-related risks: Some policies may cover damage caused by tenants or their guests to landlord-owned contents, including accidental or malicious damage.
  
• Optional extras: Depending on the insurer, you may be able to add cover for accidental damage, motor burnout, or high-value items within the property.

Some items may be classified differently by different insurers—for example, built-in appliances might be treated as part of the building rather than contents—so always check the Product Disclosure Statement (PDS) for clarity on what your policy covers.

What’s not covered by landlord insurance?

Most policies are designed to help with sudden, accidental loss or damage—not ongoing maintenance, tenant-owned belongings or issues linked to construction quality. 

Knowing these common exclusions can help you plan ahead, reduce claim surprises and decide whether you might need additional cover or protections. Below are some common things that a typical policy won’t cover:

Your tenant’s possessions 

Landlord insurance generally covers the property itself and, in some cases, items you own at the property (like appliances or furnishings if you provide a furnished rental). It typically won’t cover your tenant’s personal belongings, such as furniture, electronics or clothing, if they’re stolen or damaged. Tenants will usually need their own contents insurance policy (often called renters insurance) if they want cover for their belongings.

Repairs or work done by tenants that result in damage

If a tenant carries out unauthorised repairs, renovations or DIY work and causes damage, this is often excluded from cover. For example, poorly installed fixtures, plumbing changes or unapproved structural alterations may fall outside policy terms. Clear lease conditions around maintenance and alterations can help reduce this risk.

Building defects or poor workmanship 

Issues caused by construction faults, design problems or substandard workmanship are typically not covered. This could include things like leaks caused by faulty waterproofing, structural issues linked to poor construction, or electrical problems from incorrect installation. These are usually considered builder, warranty or maintenance matters rather than insurable events.

General wear and tear

Everyday deterioration from normal use is generally not covered. Over time, paint can fade, carpets can wear down and fixtures can loosen. Insurance is typically designed for unexpected damage (like storm or fire), not gradual ageing, so regular maintenance is an important part of managing a rental property.

Damage caused by insects and rodents

Damage from pests such as termites, cockroaches, mice or rats is commonly excluded. This is because pest damage is usually considered preventable through regular inspections, maintenance and pest control. Given how costly termite damage can be, routine checks and preventative treatment are often recommended for landlords.

How do landlord insurers settle claims?

If your property is damaged by an insured event and you successfully make a claim on your landlord insurance, your insurance company may send out an assessor to gather evidence and determine the scope of works needed, and will then determine their preferred method of settling the claim. There are three main ways in they might do this:

1. Replace or repair a damaged item.
2. Repair or rebuild your damaged property.
3. Offer you an insurance cash settlement to conduct repairs yourself.

The Australian Financial Complaints Authority (ACFA) cautions around cash settlements, saying that if you accept one, repairs to the home will be your responsibility, and the amount may not be sufficient to cover the repairs needed. ACFA stresses that cash settlement offers must be “fair in the circumstances” and must be sufficient for a policyholder to arrange repairs. You are not obligated to accept a cash settlement if your insurance provider offers you one.

How much landlord insurance cover do you need?

When choosing landlord insurance, it’s important to make sure that your ‘sum insured’ is sufficient to cover everything you need. Your sum insured is the amount listed on your policy that is the maximum that your insurer will pay for any one insured event. What does this actually mean?

• Your building sum insured should be enough to cover the cost of rebuilding your entire property, including sheds, patios and driveways. 
• Your contents sum insured should be enough to cover the full replacement value of the belongings you own at the property.

Can you get landlord insurance for a short-term rental property?

There are generally policies available to cover short-term rental landlords who use sites like Airbnb, Stayz and Flatmates.com.au. These options include Airbnb’s AirCover for Hosts and specialised policies from providers such as ShareCover, EBM RentCover and Terri Scheer.

How do you avoid underinsurance?

Underinsurance occurs when you don’t have sufficient insurance coverage to repair or rebuild your property, or replace its contents, after a catastrophic event like a fire. It’s concerningly common – in fact, insurer AAMI estimates that 50% of Australians may be underinsured. To avoid this, you can:

• Make sure your landlord insurance policy is up to date and reflects any new additions you’ve made to your property or renovations you’ve undertaken
    
• Make sure your sum insured reflects the cost of rebuilding your property and replacing the contents you own inside it, as these costs may have gone up since you took your policy out
  
• Check if your policy has adequate cover for fires, storms and flooding, and any other events that are a priority for you

It’s important to note that some insurance policies in Australia have what’s known as a coinsurance or averaging clause, that can apply if your property is damaged or destroyed and you are underinsured. If your property is underinsured below a certain threshold, often 80% - 90%, the payout for any claims you make will also be proportionally reduced. For this reason, it’s important to update your sum insured amount regularly, to make sure you’re not caught out.

On the other hand, some insurers offer protection against underinsurance in the form of full rebuild cost protection, sometimes known as a ‘rebuild safety net’. This is an optional benefit that can be added to some insurance policies, that can be used in the event that your property is destroyed by an insured event, and the rebuild costs are more than your sum insured amount.

How are landlord insurance premiums calculated?

The price you end up paying can be determined by a number of different factors, including:

• How much you charge for rent: Since your policy may cover loss of rent in certain circumstances, the more rent you charge your tenants, the higher your premiums may be.
  
• The replacement cost of contents you own: You can usually include the replacement cost of items such as carpets and blinds as a component of your landlord insurance
  
• The level of cover and excess you choose: The more extensive the cover you choose, the higher your premiums might be. This might be offset by your excess, which is the amount payable when you make a claim before your insurance pays out. The higher the excess you choose, the cheaper your premiums might be. You may also have to pay an additional unoccupied excess, if you leave your property vacant for a certain length of time as outlined by your insurer.
  
• The number of properties you’re insuring: Some insurance providers offer multi-policy discounts, meaning that if you’re insuring more than one property, you may be able to save on premiums by insuring them all with the same provider.

How do you renew your landlord insurance?

Landlord insurance is often considered a “set and forget” expense. Once you have a policy set up, your insurer will send you a renewal notice each year noting any changes in costs, and you’ll continue paying. If you have your landlord insurance premiums set up to direct debit from your account, then your provider will continue debiting them as before.

As a consumer, it’s important to be wary of this—if your landlord insurance auto-renews each year, then your insurer could be hiking your premiums and taking you for a ride without you realising. Equally concerning, though, is if you don’t review your insurance each year, you could end up being underinsured and not having the cover you need, should your property be damaged or destroyed. 

For this reason, when renewal time comes around, it can pay to review your coverage, both in terms of the cost and of how much you’re covered for, to make sure you’re still getting what you need. If you’re not, then it could be worth your while to compare your options and see if there’s a better deal out there for you.

Looking for cheap landlord insurance?

When it comes to landlord insurance, the cheapest option may not always be the best for you—it’s important to remember that landlord insurance exists to cover you from financial loss in the event that your property is damaged or destroyed. A cheaper policy that excludes coverage for flooding, for example, may be lighter on the wallet month to month, but could cost you in the long run if you find out you’re not covered for what you thought you were. If you feel you’re paying too much for landlord insurance, there are still ways to save without compromising on important cover.

Tips to reduce landlord insurance premiums

If you’re looking to save on landlord insurance premiums, there are several strategies that could work for you, both by reviewing your policy and leveraging discounts your insurer may offer:

• Shop around and compare quotes: Comparing quotes from a range of different providers can help you find cover that’s right for your needs, while also giving you value for your money.
  
• Buy online: A number of insurers offer discounts to customers who purchase a policy online rather than over the phone or in person.
  
• Increase your excess: A higher excess will generally mean lower premiums, although you’ll have to pay more upfront if you make a claim.
  
• Make sure your property is valued accurately: While underinsurance is a concern in Australia, it’s also worthwhile to review your policy to make sure you’re not overpaying for things you don’t actually need. For example, if you’re paying for motor burnout insurance for the appliances at the property, but they are all new and under manufacturer's warranty, then this could be a redundant expense.
  
• Consider paying your premiums annually: Some insurers may charge more to policyholders who pay their premiums month to month, so if you’re in a position to pay as an annual lump sum, you could find that you save.
  
• Maintain your no claim bonus: Paying out of pocket for small repairs can help maintain your no-claim bonus and stop your premiums from going up, until such time as you need to make a larger landlord insurance claim.
   
• Keep an eye on sign-up offers: Landlord insurers sometimes offer discounts as incentives for new customers to join, but there’s nothing stopping you from asking if they might extend a similar perk to you to reward your loyalty as a customer.

When should you get landlord insurance?

Most banks and lenders will make the building insurance component of landlord insurance a condition of your investment home loan before settlement can occur. This means you won’t receive your funds unless you have it. 

As for the question of when you as a buyer are financially responsible for covering damage to the property, the answer differs state by state:

New South Wales and Victoria

You’re responsible for damage to the property from the settlement date. 

ACT, South Australia and Tasmania

You’re responsible for damage to the property during the settlement period.

Queensland

You’re responsible for damage to the property from 5pm on the next business day after contracts are signed and exchanged. 

NT and Western Australia

You’re responsible for damage to the property from the date you’re entitled to possession of the property, or when the full purchase price is paid at settlement, whichever comes first.

Is landlord insurance tax deductible?

According to the Australian Taxation Office (ATO), property investors may be able to claim deductions for ‘most’ of the expenses incurred while renting out a property, including costs related to the maintenance and management of the property. The premiums you pay for landlord insurance may also be tax deductible.

If you want to know more about possible tax deductions, consult a qualified tax professional or visit the ATO’s website.

Why is landlord insurance important?

Landlord insurance is important for your own peace of mind, but also crucially important to cover the costs you’ll face should the unexpected occur. 

Say, for example, that your property was damaged or destroyed by a fire, and you did not have insurance. You would be responsible for paying the full cost of repairing or replacing your property, and continuing your regular repayments to your bank or lender—if your investment property is mortgaged. You’d also be losing out on rental income.

This situation would be financially untenable for almost all of us, and illustrates why it’s vitally important to have landlord insurance.

Do you need landlord insurance for an apartment? 

A stand-alone house is a whole property that you own outright, whereas a strata property is a unit within a complex that you own individually. If you own an apartment under a strata title, then you may not need to purchase building insurance, as your body corporate may be responsible for insuring the building – it is advisable to check with them directly to see if this is the case. If you’re renting out the apartment, you would still need to purchase your own landlord insurance to cover the contents you own at the property and to protect you from tenant-related risks.

Does landlord insurance cover natural disasters? 

Landlord insurance in Australia generally provides protection against loss or damage caused by events such as fires, storms and earthquakes, as well as malicious damage and vandalism. Some insurance providers may include this kind of coverage as standard, but others may sell it as an optional extra, especially if you live in an area that is deemed to be at high risk of certain natural disasters. 

When it comes to cover for natural disasters, payouts can be expensive for insurance providers, and they tend to be strict about what they do and do not cover, and the circumstances in which they will pay out. It’s important to understand that:

• While insurance policies commonly offer coverage for damage caused by storms, damage caused by floods can be a specific type of cover that you’ll need to purchase as an optional extra.
  
• Insurers may reduce or even deny your claim if they find out that your property has not been sufficiently maintained, or if you have not taken care – for example, not clearing gutters ahead of storm season, leading to roof-related damage or flooding.

How does flood cover work with landlord insurance?

As an Aussie investor, it can be especially important for your peace of mind to know that your property is covered for flood damage, but this area of insurance can be quite complex.

Does all landlord insurance come with flood cover?

It’s important to know that flood cover does not necessarily come standard with landlord insurance in Australia. While some providers sell it as part of standard landlord insurance coverage, others may sell it as an optional add-on, and others may exclude it entirely. Some providers will also place limits on the amount you can claim for flood cover, so make sure you read the product documentation for any insurance policy carefully. 

What is a ‘flood’ and are you covered?

The Insurance Council of Australia (ICA) says that the standard definition of a flood in Australia is “the covering of normally dry land by water that has escaped or been released from the normal confines of any lake, or any river, creek or other natural watercourse, whether or not altered or modified, or any reservoir, canal, or dam.” It’s important to note that many insurance providers in Australia do not cover this type of flooding as standard, and you will need to purchase cover as an add-on to your policy. It’s also important to note that none of the providers on Canstar’s database offer cover for flooding due to rising seawater or tidal flooding. 

What about storms and cyclones?

Generally speaking, landlord insurance in Australia will cover for damage caused by strong winds, lightning strikes and power surges, earth movement, fallen trees, the escape of rainwater from pipes, drains and gutters, and damage caused by surface rainwater. It’s important to note, though, that while your insurance policy may cover for these things, you may not be covered for ‘flooding’, and you may need to purchase this as an extra on top of your insurance policy. 

What does flood insurance cover?

In terms of landlord insurance, flood insurance covers you for structural damage to your property, costs associated with demolition and removal of debris, damage to fixtures and permanent structures, repair and replacement of electrical systems and loss of rental income as a result. In terms of the contents insurance component of landlord insurance, flood insurance covers for damage to carpets, blinds and curtains, appliances, and other items you own at the property.

How do waiting periods work for flood cover?

In Australia, insurance providers will typically impose a 48-72 hour waiting period for flood cover on your policy, before your coverage kicks in and you can claim for damage. 

What if you can’t get flood cover?

If insurance providers consider your property too risky and you cannot find one that will offer you flood cover, then you will face a significant financial burden should your property be damaged or destroyed by a flood. If you’re in this situation, then you may need to consider applying for a community recovery grant via your state or territory government.

How does bushfire cover work with landlord insurance?

Bushfire season is a critical time to make sure your landlord insurance is up to date, and while landlord insurance has cover for bushfires, there are some important precautions to take. Insurers expect reasonable steps to protect your property, like clearing gutters and removing flammable debris. Failure to take precautions could affect your claim.

Likewise, it’s important to understand what’s excluded from your cover – while all insurers in the Canstar database cover bushfire damage, 10% won’t cover the damage caused by heat and soot caused by a fire. When comparing coverage, it’s therefore crucial to read the fine print, to make sure your policy covers everything you need.

Making a landlord insurance claim

Should you need to make a landlord insurance claim, it’s generally possible to do this either over the phone, or via your insurer's online portal. It’s usually best to tell your insurer of any damage immediately, and to provide as many details as possible of the incident.

You’ll generally be required to provide proof of the damage, so it’s important to document this as soon as possible with photos and videos. If possible, it’s also worth documenting your property and the possessions inside it with photos when you take out your policy, in order to make it easier to prove damage down the track. 

Some insurance companies have mobile apps that allow you to upload photos directly from your smartphone, as well as update your claim straight away.

You may also need to provide evidence of ownership and value of any particular items that you’re making a claim on. For example, this could include receipts, valuations, credit card statements and photos.

What if your claim is denied?

If your landlord insurance claim is denied or you’re unsatisfied with the outcome, it’s important to understand exactly why your insurer has chosen to deny it.

Common reasons for your claim to be denied might be that your policy excludes the event or damage you’re claiming for, that you failed to report the claim within the timeframe outlined by your policy, or that you provided false or inaccurate information when making your claim. 

If you feel that your claim has been denied unfairly, you’re able to contact your insurer and ask for it to be resolved by their internal dispute resolution process. If you’re unhappy with the outcome of this, you can escalate your claim to an external body such as the Australian Financial Complaints Authority (ACFA), and if you’re still unsatisfied with the outcome, you may consider obtaining advice from a solicitor. 

What can void your landlord insurance?

Landlord insurance in Australia can be voided by:

1. Failing to pay your premiums on time
2. Leaving your property unoccupied for too long a period 
3. Failing to maintain your property
4. Not having a formal lease agreement in place
5. Unauthorised short term renting
6. Utilising unlicensed tradespeople
7. Failing to undertake necessary repairs and maintenance 
8. Failing to contact police in the event of a break-in
9. Faulty design or poor workmanship on your property
10. Falsifying policy details