Landlord Insurance

Insure your investment property and landlord’s contents for insured events such as theft, fire7, storm7, flood7and malicious damage.

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A residential investment property needs to be appropriately insured.

Landlord Insurance can give you the confidence that your property will be covered should something go wrong. Ian Berry Landlord Insurance covers the property and/or the contents you provide for your tenant’s use from loss or damage by insured events.

To help you decide the cover you need, here’s a brief outline of the difference between buildings and contents cover.

Buildings

Designed to cover the physical structures that make up your property, like the house itself, garage, sheds, permanently installed swimming pools and decks.

Contents

Designed to cover items at your property – from furniture and white goods to removable domestic appliances which belong to you as the landlord and that you have provided for the use of your tenant. It also covers your carpets and window furnishings.

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Cover for your investment property for 12 insured events including fire7, theft, storm7, and flood7.

Save up to 10% on your first year’s premium when you quote and buy a new policy online1,4

Pay by the month at no extra cost6

Features and benefits

The better you understand your policy, the easier it will be if you ever have to claim.

Here is a limited summary of the benefits of a Landlord Insurance policy. For full details of the standard terms, conditions, limits and exclusions that apply, please read the Product Disclosure Statement (PDS), any applicable supplementary PDS before making a decision to purchase the insurance. The Landlord Buildings and Landlord Contents Key Fact Sheets (KFS) also set out some information about the cover.

Features and benefits

Landlord Insurance
Rebuilding and professional fees - If you have buildings cover and need to rebuild your buildings after total loss or damage, Ian Berry Landlord Insurance will help pay the reasonable costs of architects, engineers, surveyors and solicitors up to $5,000.
Cover for the unexpected - Ian Berry Landlord Insurance offers cover for your investment property for out of the ordinary but devastating events such as fire7, storm7, flood7and burglary.
Cover for flood and/or run-off - Covers loss or damage caused by flood7, run-off, flood water7 combined with run-off and/or rainwater.
Making your buildings environmentally friendly - If you have buildings cover and your buildings are totally destroyed and need to be rebuilt, in addition to your buildings sum insured, Ian Berry Landlord Insurance will pay up to $5,000 (after deduction of any government or council rebates) to help you make the new buildings more environmentally friendly.
Landlords Contents - Ian Berry Landlord Insurance will pay for repair or replacement of contents you own and provide for your tenant’s use as a result of an insured event. If you have buildings cover only, Ian Berry Landlord Insurance will pay up to the lesser of $10,000 or the remainder of the sum insured after payment of the buildings claim, for certain landlords contents under this additional benefit.
Rental costs after an insured event - If your buildings are damaged by an insured event and can’t be lived in by your tenant, or, access to or use of the buildings is not possible for at least 7 days after an insured event Allianz will pay for your loss of rent on the buildings for up to 12 months if you have buildings cover or if your building is part of a strata title development and you have contents cover only.
Debris removal - In addition to your buildings and/or contents sum insured, Ian Berry Landlord Insurance will cover up to 10% of the building and/or contents sum insured for removing debris from your insured address if your buildings are damaged or destroyed by an insured event.
Legal liability - Ian Berry Landlord Insurance will cover your legal liability up to $20 million for payment of compensation relating to death, bodily injury or illness, and/or physical loss of or damage to property caused by an accident (or series of accidents). If you have contents cover only, it does not cover any legal liability you may incur as owner of the buildings unless the buildings are defined as a lot.
24/7 claims assistance - When you need to make a claim Allianz are there for you with 24 hour claims lodgement available online, or you can call the claims team to commence the claims process over the phone.
Contents in the open air at the insured address - If you have contents cover,  Ian Berry Landlord Insurance will cover contents in the open air (that you own and that you have provided for your tenants use) which have been lost or damaged by an insured event covered by your policy, up to a maximum amount of $1000.

Optional Covers

Apply to add any of the optional covers in the table below for an additional premium and greater cover.

 Landlord Insurance
Optional Cover – Landlord workers’ compensation cover - Cover for the compensation amount you are liable to pay if you employ a domestic worker and they are injured while working for you at the insured address. Only available in ACT, WA and TAS. 

Rent default and theft by tenant - Option to be covered for loss of rent due to specified rental defaults, up to $10,000 in total for all claims during the period of insurance.

Cover for loss or damage to your insured buildings or contents caused by theft, burglary or housebreaking committed by your tenant or invitees of your tenant.

 
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Landlord Insurance Calculators

It’s up to you to decide the sums insured, and the type and level of cover that you want to take out. People generally want enough insurance to cover the property’s estimated replacement value. If you don’t have enough cover, you could end up having to cover some of the costs yourself. Remember, Allianz will only pay up to the amount of your loss or the sum insured, whichever is the lesser (subject to the policy terms and conditions) – so you should also be careful not to over insure. That’s why we’ve provided these calculators. They work as guides to help you estimate the replacement value of your landlord buildings and contents.

Building Replacement Calculator

Home Building replacement calculator

Contents Replacement Calculator

Home contents replacement calculator

Next steps

Get a Quick Quote
Retrieve a Quote
Make a Claim

Policy Document and Key Fact Sheets

Policy Documents and Key Fact Sheets

We do not provide advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision please refer to the Landlord Product Disclosure Statement (PDS) any applicable supplementary PDS and Landlord Buildings and Landlord Contents Key Fact Sheets also available for reference.

Get in touch

To experience our local customer service where you speak to a real South Australian insurance expert every time, please get in contact with us!

Talk to an insurance expert

Contact 1300 292 100 and speak to a real person!

Visit an insurance expert

You can find us at your local Police Credit Union branch.

Looking for a quick quote?

Fill in our online form or call 1300 292 100.

Need to make a claim?

Visit our claims page for more information.

Request a call back

Fill out the form below and a member of our service team will contact you at a time that’s convenient for you.

  1. Online discount

    When you both quote and buy a new Landlord insurance policy online a premium discount of up to 10% is applied to your first year’s premium. This discount is not applied to Landlord workers’ compensation (if available and selected), or upon renewal. Minimum premiums may apply.

  2. Minimum premiums

    Where discounts are applied, your premium is subject to rounding. If more than one discount applies, they’re applied in a predetermined order, so the later discounts apply to the amount already reduced by the earlier discounts instead of the total amount. Discounts do not apply to government taxes and charges.
    Most discounts won’t apply below the minimum amount payable for the policy.

  3. Instalment premiums

    If you choose to pay your premium by instalments, you do not pay us any more than if you pay your premium in one lump sum annually. The premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding. Note: Your financial institution may apply transaction fees to instalment payments.

  4. 72 hour exclusion period

    We may not provide cover for any loss of or damage to your property caused by cyclone, flood, flood water combined with run-off and/or rainwater, grassfires and bushfires during the first 72 hours after you first purchase a policy or increase your cover under an existing policy. Refer to PDS for when exclusion periods apply.