Landlord Insurance

Landlord insurance is specifically designed to protect your investment property from loss or damage when renting out your unit, apartment, or house. Landlord insurance can help protect you against insured events that lead to theft, loss or damage to your investment property and a loss of rental income.

You can choose different types of landlord insurance to provide cover for:

• Building cover only: coverage for insured events that damage your property's structure.
• Contents cover only: coverage for insured events related to the damage or theft^disclaimerof household goods that you own and have provided for your tenants use, within your rental property. This can also include things like carpets and curtains.
• Combined building and contents: coverage for insured events related to both building and contents. For example, both your investment property and the contents inside it have coverage if they are damaged in a flood, fire, cyclone, earthquake, storm or other events.^disclaimer

ANZ Landlord Insurance includes loss of rent if your rental property is so damaged by an insured event that it can’t be lived in by your tenant.^disclaimer

Legal liability cover is also included, which insures you for claims made against you if you are legally liable for the death or injury of another person, or the loss or damage of another person's property. The cover varies depending on if you have buildings cover, contents cover or both.

If you have a mortgage on your property, most banks require you to take out a building insurance policy regardless of whether it is an owner occupied or an investment property. This helps protect you, as well as the financial institution, against the risks associated with building damage caused by natural events.^disclaimerCheck with your mortgage provider if building insurance is a requirement under your mortgage or home loan policy.

What you are covered for will vary depending on your policy and choice of cover. A landlord policy can cover the costs associated with the loss or damage to your buildings and/or contents from an insurable event.

ANZ Landlord Insurance can cover the costs incurred from damage or loss to buildings and/or contents arising from insured events including:

• accidental breakage of glass such as windows or mirrors
• theft or attempted theft
• damage caused by natural events, such as a bushfire, flood, cyclone, earthquake or storm^disclaimer
• impact damage, such as damage caused by a falling tree

ANZ Landlord Insurance includes loss of rent if your rental property is so damaged by an insured event that it can't be lived in.^disclaimerOptional rent default cover is also available, providing coverage if your tenant stops paying rent.^disclaimer

ANZ Landlord Insurance also includes legal liability cover, which insures you for claims made against you if you are legally liable for the death or injury of another person, or the loss or damage of another person's property.

Cover varies depending on if you have building cover, contents cover or both.

For a full list of events covered by ANZ Landlord Insurance, as well as the terms, conditions and exclusions, please refer to the ANZ Landlord Insurance Product Disclosure Statement – issued by CGU Insurance.

Rental protection coverage varies between insurers, so it is recommended that you check your policy. ANZ Landlord Insurance provides cover for loss of rent in the event of the building becoming unliveable due to loss or damage from an insured event.^disclaimer

Additionally, ANZ Landlord Insurance has the optional benefit of Rent Default cover, which provides cover if your tenant stops paying rent, leaves your rental property without giving you notice, or dies if they are the sole tenant.^{disclaimer disclaimer}

As a landlord, it's important you have a rental agreement in place, so both parties understand the terms of the lease and exactly what's covered. Having a rental agreement is a requirement for many types of cover under an ANZ Landlord Insurance policy, including for optional rent default as well as damage by occupant coverage.

Find all the important policy documents for ANZ Landlord Insurance, all in one place.

• ANZ Landlord Insurance Product Disclosure Statement – issued by CGU Insurance
• ANZ Landlord Insurance Target Market Determination – issued by CGU Insurance
• ANZ Landlord Premium, Excess, Discount and Options Guide – issued by CGU Insurance
• ANZ Financial Services Guide

Making a landlord insurance claim can come at an extremely stressful time. With 24/7 claims lodgement over the phone, help is with you when you need it most.

To make a claim, call 13 16 14. Make sure you have your policy number handy.

Call 13 16 14

Your feedback regarding our performance is valued greatly. ANZ and CGU are committed to resolving any concerns you may have.

The customer service team is your first point of contact for any enquiries, raising concerns or providing feedback. They will do their best to resolve your concerns genuinely, promptly, fairly and consistently, and keep you informed of the progress.

If you wish to lodge a complaint or provide feedback, please visit the Complaints Resolution Centre.