Landlord Insurance



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Save up to 10% on your first year’s premium when you buy a new Landlord Insurance policy online1,3

What is Landlord Insurance?

Landlord Insurance is designed to cover the cost of replacement or repair required when certain events occur that damage your residential investment property, and any contents you provide for your tenant’s use, that could leave you out of pocket financially.

Allianz Landlord Insurance can cover your investment property and/or contents:

Building Cover

Contents Cover

Combined Landlord Building & Contents Cover

Fast, Simple and Convenient

Up to 30% No Claims Bonus2,3

When you take out a new policy, we calculate your No Claim Bonus2,3 based on your Landlord Insurance claims history from the last 3 years.

Option to Pay Monthly

You have the option to pay by the month or in one annual payment.

If you choose to pay by the month, an 11% service fee applies.

Instant Certificate of Currency

Your proof of insurance, Certificate of Currency (COC), will be emailed instantly after you purchase your policy.

Tip: A COC is often required by your bank or financier when you take out a mortgage on your investment property.

Excellence in Claims

We're here if you need to make a claim.

You can lodge a claim 24/7 online or call 13 10 13 to commence the claims process over the phone.

Allianz was awarded the 2019 Mansfield Gold award for Claims handling and the 2020 Mansfield Silver award for Personal lines Claims.

Landlord Buildings & Contents CoverChoose the cover that’s right for you or combine to get the great benefits of both.

  • BuildingsCovers your damaged or destroyed building, garage, fences, fixed domestic appliances and more.
  • Legal liability cover – up to $10m  
  • Rental costs after an insured event  
  • Rebuilding costs  
  • Landlord contents cover – up to $10,000  
  • Replacement of locks - up to $500 per claim  
  • ContentsCovers your damaged contents kept at your investment property.

  • Legal liability cover – up to $10m  
  • Rental costs after an insured event  
  • Removal of debris – up to 10% of contents sum insured  
  • Contents in the open air – up to $1,000  
  • Replacement of locks – up to $500 per claim  

This is a summary only of some of the features available on Allianz Landlord Insurance. Before making a decision on this insurance, please carefully consider the relevant Product Disclosure Statement (PDS) and Supplementary PDS (where applicable) which set out the standard terms, conditions, limits and exclusions.

Optional Covers Add covers to your Landlord Insurance policy to suit your needs.
You can add optional covers to your Landlord Insurance policy when you get a quote online or while speaking to our consultants. If you already have a policy and would like to add any optional covers onto it, simply contact us on 13 1000.

Flood

Covers you for loss or damage to your investment property and contents caused by flood and certain flood-related events.
Optional flood cover may not be available in some areas.

Landlord Workers' Compensation5

Where you employ a person to do work around your rental property, we will pay the amount you are liable to pay if they are injured while working for you.
Only available in ACT, WA, and TAS.

Rent Default & Theft by Tenant Cover
Currently unavailable until further notice. This cover is only available to existing customers renewing their policy where Rent Default and Theft by Tenant is already included on their schedule.

Covers up to $10,000 in total for lost rent during the period of insurance caused by listed rent default events and theft by tenant. Plus we’ll pay for up to $3,000 of reasonable legal expenses to minimise a claim resulting from these insured events.

This is a summary only of some of the features and benefits available on Allianz Landlord Insurance. Before making a decision on this insurance, please carefully consider the relevant Product Disclosure Statement (PDS) and Supplementary PDS (where applicable) which set out the standard terms, conditions, limits and exclusions.

Landlord Insurance Calculators

When you take out Landlord Building and/or Contents insurance, it’s important that the amount you’re insured for accurately reflects the cost to rebuild your Landlord building and/or replace your contents. This is because you might have to pay the difference out of your own pocket if you’re insured for less than the replacement value of your Landlord Building and/or Contents.

Landlord Building replacement calculator

Landlord Contents replacement calculator

What events does Landlord Insurance cover?

Covers the cost of rebuilding or replacing your Landlord Building and/or Contents if you have experienced loss or damage caused by the following insured events^.

  • Fire or smoke
  • Theft or burglary
  • Storm, rainwater or run off, but not flood unless you have the optional flood cover
  • Lightning or thunderbolt
  • Water or other liquid damage

  • Impact damage
  • Earthquake
  • Accidental breakage of glass
  • Malicious acts
  • Explosion
  • Riots or civil commotion
  • Tsunami

^For a full list of events covered by Allianz Landlord Insurance, see the relevant PDS.

Next steps

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Buy insurance online in minutes at your convenience 24/7.

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Go Paperless – update your details

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24/7 claims assistance

When you need to make a claim Allianz are there for you with 24 hour online claims lodgement, or you can call 13 10 13 to commence the claims process over the phone.

Lodge a claim

Frequently Asked Questions

The cost of your insurance is called a ‘premium’. Your premium will depend on a number of factors, and can change each year when you renew your policy. Your premium for each period of insurance will be shown on your policy schedule.


There are a number of factors that determine how your Landlord insurance premium is calculated, including:

  • Your risk profile. We work this out using a number factors such as:
    • where your investment property is located
    • the type of property you’re insuring
    • the amount and type of cover you require
    • the relevant claims history of your property
    • the likelihood of a claim being made on your policy
    • the value of the insured investment property and/or contents cover (sum insured)
  • Any discounts that may apply.
  • Any compulsory government charges such as Stamp Duty and GST.
  • Fire Services Levy if they apply to the State or Territory where your home is located.
  • Any other charges we tell you of.
  • The excess you choose4.

Get a quick Landlord insurance quote in minutes today!

We will pay rental costs after an insured event as part of your Landlord insurance policy. If your building is damaged to an extent that the tenant can’t live in it, or access to use your building was not possible for a minimum of 7 days due to damage to the property or strata title development, we will pay for loss of rent on the insured property for the time necessary to reinstate your building or for which access to the building is denied, or up to a maximum of 12 months. This benefit is automatically included.

Note that this is different to the optional Rent Default & Theft by Tenant cover which is currently unavailable to be added to new or existing landlord insurance policies which do not already have this cover.

Call us as soon as reasonably possible on 13 10 13 and advise the claims consultant of what has occurred. Try to get names and addresses of any witnesses to the event which has brought about the claim. Don't make any admissions of liability and don’t attempt to settle any claim made against you. If you do we may reduce or refuse your claim to the extent we are prejudiced. The claims consultant will advise you of what steps you need to take and will assist you through the landlord insurance claim process.

Landlord insurance covers you against financial losses associated with the damage or loss of the residential investment property you own. Landlord insurance is not a legal requirement; however if you have a mortgage on your property, most banks and mortgage lenders require you to purchase Landlord Buildings insurance as security to safeguard themselves against financial risk caused by unexpected damage or loss to your property. Lenders may require you to list them as an interested party when buying insurance and may also request proof of insurance (Certificate of Currency) before the loan is finalised or for each year your mortgage is held with them.

To request a Certificate of Currency for your existing Allianz Landlord Insurance policy call us on 13 1000 or you can log onto MyAllianz.

Here’s a list of some of the things we won’t cover under Allianz Landlord Insurance:
  • If your investment property is unoccupied for any period in excess of 60 consecutive days we will not pay for loss or damage for certain insured events, unless otherwise agreed in writing.
  • If you did not have a contract in place for your investment property to be tenanted within the 30 days immediately following the date of the loss or damage and you’re claiming for loss of rental income after an insured event.
  • Anything which your tenant is legally liable for under the terms of a lease, rental or similar agreement;
  • Loss or damage arising out of depreciation, gradual deterioration or wear and tear.
  • Pre-existing damage to your investment property. This includes inherent defects such as faulty design or workmanship.
  • Loss or damage caused by flood. Unless your schedule shows that you have added the flood cover option to your policy.

If you choose to get both your investment building and your investment contents covered with Allianz, you can do so with the convenience of having them on the one policy. This means you get the great benefits of our buildings cover and contents cover, and only have one policy number. Additionally, if you need to make a claim for both your building and your contents due to the same insured event, you’ll only need to pay one excess.

An example of how your combined Landlord buildings and contents policy could work:

Disaster strikes and your investment property’s building, as well as the contents inside it that you’re responsible for as a landlord, have been totally destroyed by an insured event. Where we have agreed to accept your claim, you will only need to pay one excess. With your building insurance, we will pay the cost to rebuild your building which has been completely destroyed and also pay up to $5,000 (after deduction of any government or council rebates you are eligible for) to make your property more environmentally friendly, e.g. by installing any combination of a rainwater tank, solar power systems, hot water heat exchange system, and grey water recycling system. We’ll also replace your contents that you have insured with us up to the policy limits, like your carpets, curtains, furniture, and household goods, including utensils and domestic appliances that you have supplied for your tenants’ use.

For the standard terms, conditions and exclusions about our Landlord insurance, please refer to the Product Disclosure Statement (PDS) and any supplementary PDS (if applicable). To see some of the events covered and not covered, please refer to our Key Fact Sheets (KFS).