Aon Landlord Insurance

Aon is a provider of landlord insurance as well as management liability insurance, product liability insurance, car insurance, home & contents insurance and travel insurance.

Landlord insurance caters to the needs of landlords, providing a home insurance product specifically designed to provide property owners with some protection against the financial loss that may result from owning a rental property.  

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The table below displays a snapshot of Aon’s landlord insurance policies on Canstar’s database. Please note the products and Star Ratings displayed are based on a house in New South Wales.  

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What landlord insurance policies does Aon offer?  

Aon offers two landlord insurance policies – Rental Protection Plus Advantage and Rental Protection Plus. The former has a fixed price and level of cover per state, whereas the latter is a tailored insurance policy which allows you to only pay for the cover you need.  

Both policies cover several key risks to ensure peace of mind for both tenants and landlords, including: 

  • Cover for loss of rent – both for inhabitability after an insured event and if your tenant defaults on their payment.  
  • Cover for damage caused by from natural disasters or a malicious act.  
  • Accidental glass breakage  
  • Theft or malicious damage 
  • Legal liability – for damage to third parties occurring on your property.  
  • Contents including furniture and furnishings  
  • Keys and locks 

Exclusions may apply when it comes to making a landlord insurance claim.  Some common exclusions include:  

  • Gradual deterioration, neglect, lack of maintenance, structural failure or general wear and tear 
  • Pre-existing damage  
  • Any costs associated with the cleaning up or removal of asbestos 
  • Vermin or insects  
  • Invasion or war 
  • Erosion  
  • Any damage arising from repairs or alterations being carried out on the house by a tenant or someone acting on a tenant’s behalf  
  • Any damage arising from repairs, alterations, renovations, or additions to building which cost more than $50,000 

For a detailed look at what may not be covered under an Aon landlord insurance policy, see Aon’s Product Disclosure Statement (PDS).  

Aon FAQs

Aon’s landlord insurance policy may protect you from a loss of rental income due to a variety of factors, including:  

  • Your tenant leaving before the end of the tenancy period without notice  
  • Your tenant being legally evicted 
  • Inhabitability after an insured event such as a fire, flood, storm, tsunami or riot 

The maximum amount Aon will pay you for loss of rent is 26 weeks rent, up to a cap of $12,000.   

See the PDS for more information on possible exclusions.  

See this article for a quick guide to what landlord insurance is and what it may cover you for.  


A landlord insurance policy may provide you with cover should damage be caused to your rental property by tenants or their guests.  

Under Aon’s building & contents landlord insurance policy, cover is included for the following:  

  • Damage caused to any buildings, sheds, garages or fences within the property line 
  • Damage caused by natural disasters such as fires, floods, and storms 
  • Theft 
  • Malicious damage caused by either a tenant or their visitors  

See the Product Disclosure Statement for more information on possible exclusions.  


Landlord insurance can also protect property owners against damage to contents they own in their investment home.  

While Aon’s building and contents landlord insurance policy is the most common option for landlords and has contents cover included, Aon also offers building cover and contents cover as separate policies. For more information about the different policies, look at the Aon website.  

See the PDS for more information on possible exclusions.  

Related Article: Should You Hire A Property Manager?

In insurance terms, a ‘defined event’ (also known as a ‘listed event’) on a policy is a damage-causing event which you’re insured for under that policy.  

Under Aon’s landlord insurance policy, you will generally be covered for the following defined events:  

  • Storm  
  • Flood 
  • Explosion  
  • Earthquake  
  • Fire 
  • Malicious damage 

To see the full list of defined events, see the PDS.  


Flood damage can be treated as different to to storm damage by certain insurers, and as a result you may not be automatically covered for it.  

Aon’s building & contents landlord insurance does offer cover for flood damage however please consult the PDS for information about exclusions and conditions that may apply.  

Yes, Aon also offers home insurance in addition to landlord insurance. At the time of writing, the Aon website doesn’t state any multi-policy discounts, but they do occasionally have sign-up offers so be sure to ask one of their friendly customer service team for more information.  

See the difference between home and landlord insurance here. 

You can purchase an Aon landlord insurance policy by comparing your options with Canstar and generating a quote on the Aon website. They will ask you some general questions about your personal details, the cover required, the details of the building, and any optional extras you might be after.  

This shouldn’t take longer than 10 minutes.    

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Aon was founded by American Businessman Patrick Ryan in 1971 as Ryan Insurance Group, and eventually made its first significant merger with Combined International Corporation in 1982. The company now known as Aon was renamed in 1987 upon its listing on the New York Stock Exchange. 

Aon has since grown to become the world’s largest insurance broker, claiming the number one spot worldwide for reinsurance brokering and employee benefits consulting. Aon has acquired multiple large insurance and consulting firms worldwide in the ensuing three decades, ensuring wide-ranging services and deep expertise across the majority of countries in the world. Aon currently employs more than 72,000 people in more than 120 countries. 

Aon has global initiatives in place to minimise its environmental impact. The company has introduced extensive recycling programs, motion-sensitive or timed lighting in buildings, energy-efficient computers and machinery, and widespread use of video conferencing to reduce air and car travel. Aon volunteers also help to restore the habitats of several endangered native species, an initiative run in partnership with Conservation Volunteers Australia. 

All Aon policies are underwritten by CGU Insurance Ltd.  

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Written by: Regina Collins | Last updated: March 13, 2018