Landlords Insurance

Insurance for your rental property and investment income

An investment property is a major asset. Whether you own one rental home, a unit, a townhouse or several properties, the right landlord insurance can help protect your building, contents, rent and financial position.

Safeguard Insurance Brokers helps landlords across Adelaide and South Australia arrange insurance for long-term rentals, short-term stays and residential investment properties.

We can help you understand your options and consider the type of tenancy, property use and cover that may suit your investment.

What is landlords insurance?

Landlords insurance is designed for people who own residential rental properties. It can cover the building, landlord contents, loss of rent and certain types of tenant-related damage, depending on the policy selected.

Like home insurance, it may protect against events such as storm, fire, flood and accidental damage. However, it is designed specifically for rental properties and the risks that can come with tenants.

Who should consider landlords insurance?

Landlords insurance may be suitable if you own:

• A residential investment property 
• A rental house 
• A rental unit or townhouse 
• A furnished rental property 
• A holiday rental 
• A short-term accommodation property 
• A property rented to family or friends 
• Multiple residential rental properties 

Not all landlord policies cover the same tenancy types, so it is important to discuss whether the property is leased long-term, used for short stays or rented in another arrangement.

What can landlords insurance cover?

Depending on the policy selected, landlords insurance may include cover for:

• The rental building 
• Landlord contents, such as carpets, curtains, furniture and appliances 
• Loss or damage caused by insured events 
• Theft, vandalism or malicious damage 
• Tenant-related damage, where available 
• Loss of rent options 
• Rent default options 
• Liability cover 
• Motor burnout for appliances 
• Demolition and removal of debris 
• Professional fees after an insured event 
• Tax audit cover options 
• Catastrophe cover for declared natural disasters

Protecting the property behind your investment

The greatest benefit of landlords insurance is helping protect both the property and the rental income attached to it. If your investment property is damaged and cannot be rented, or if tenant-related issues affect your income, landlord insurance can help reduce the financial impact.

Landlords insurance helps make sure your rental property is treated like the income-producing asset it is.

Need insurance for your rental property?

Talk to Safeguard Insurance Brokers about landlord insurance for your building, contents, rental income and liability needs.