Everyday Landlord Insurance

Everyday Insurance’s home & contents landlord insurance policy may protect you from a loss of rental income due to a variety of factors, including:

• Inhabitability after an insured event such as a fire, flood, storm, tsunami or riot.
• If your tenant defaults on their payment (available as an optional extra).

See the PDS for more information on possible exclusions.

Read More: Buying a house with tenants? Here’s what you need to know

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

Under Everyday Insurance’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.
• Damage caused by riots or civil commotions.
• Theft.
• Damage caused by malicious acts on the part of either a tenant or their visitors.

See the PDS for more information on possible exclusions.

Read More: What is private rental?

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

While Everyday Insurance’s building and contents landlord insurance policy is the most common option for landlords, Everyday Insurance also offers building cover and contents cover as separate policies. For more information about the different policies, visit the Everyday Insurance website.

See the PDS for more information on possible exclusions.

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 an Everyday Landlord Insurance policy, you will generally be covered for the following defined events:

• Storm
• Flood
• Explosion
• Lightning
• A falling tree or branch
• A riot or civil commotion
• Earthquake
• Fire
• Malicious damage
• The impact of a machine such as an aircraft or vehicle

To see the full list of defined events and any excluded events, see the PDS.

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

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

Landlord insurance policies may offer additional optional benefits to suit your unique needs as a landlord for an extra fee. For example, you may be able to add electrical motor burnout cover, such as an air-conditioner or other device that is damaged by a fault electrical current, to your Everyday landlord insurance policy.

For a full list of additional and optional extras, consult the PDS.

Yes, Everyday Insurance also offers home insurance—including building only, contents only and combined home and contents insurance—as well as landlord insurance.

Compare Home Insurance

You can purchase a Everyday Landlord Insurance policy by comparing your options with Canstar and generating a quote on the Everyday Insurance 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.

Compare Landlord Insurance

Woolworths is best known for its supermarkets, but it’s also now an insurance provider for many Australians. Woolworths Insurance was originally founded in 2011 (after the successful launch of Woolworths Money credit cards in 2008), but became Everyday Insurance in 2023.

Everyday Insurance’s car, home and landlord products are underwritten by The Hollard Insurance Company, one of the largest insurers in Australia.