RAC Landlord 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.
Compare RAC landlord insurance 
The table below displays a snapshot of RAC’s landlord insurance policies on Canstar’s database. Please note the products and Star Ratings displayed are based on a house in NSW.
What landlord insurance policies does RAC offer?
RAC offers one landlord insurance policy, simply called ‘Landlord Insurance.’ It covers several key risks in order 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.
- Damage to property – including the building, shed, garage and fence – caused by natural disasters or malicious acts.
- Accidental glass breakage
- Legal liability – for damage to third parties occurring on your property.
- Cover for electric motors – for example, if an air conditioner or toaster is damaged by an electric current.
- Cover for theft or malicious damagecaused by other people on your property.
RAC landlord insurance also has optional ‘Contents Cover available to add on. It covers anything from furniture and appliances to curtains and carpets.
Exclusions may apply when it comes to making a landlord insurance claim. Some common exclusions include:
- Gradual deterioration, 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, landslides or tsunamis
- Any damage done during repairs or alterations being carried out on the house
For a detailed look at what may not be included on an RAC landlord insurance policy, see RAC’s Product Disclosure Statement (PDS).