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CANSTAR - Outstanding Value - Landlord Insurance Australia

Compare our cover options

See our cover options side by side for a comparison of what’s covered in detail.

Please note that this table is a guide only, and lists the highlights of what we cover. For full details of what is covered under each policy, please refer to the relevant Product Disclosure Statement.

Landlord Preferred Policy or Scheer Short Stay Policy
Residential Building Insurance Policy
Landlord Insurance AND Building Insurance
Insured Events
Absconding tenant
Up to 6 weeks loss of rent
Up to 6 weeks loss of rent
Defaulting tenant (by court order)
Up to 15 weeks loss of rent
Up to 15 weeks loss of rent
Defaulting tenant (by termination notice)
Up to 6 weeks loss of rent
Up to 6 weeks loss of rent
Failure to give vacant possession
Up to 28 weeks loss of rent
Up to 28 weeks loss of rent
Death of tenant
Up to 15 weeks loss of rent for permanent tenancies; Up to 12 weeks loss of rent (but no more than $12,000 per year) for holiday let properties
Up to 15 weeks loss of rent for permanent tenancies; Up to 12 weeks loss of rent (but no more than $12,000 per year) for holiday let properties
Hardship
Up to 4 weeks loss of rent
Up to 4 weeks loss of rent
Untenantable property (due to tenant damage to building)
Up to 52 weeks loss of rent (but no more than $50,000 per year for holiday let properties)
Up to 52 weeks loss of rent (but no more than $50,000 per year for holiday let properties)
Untenantable property (due to non-tenant related damage to building)
Up to 52 weeks loss of rent (and no more than $50,000 per year for holiday let properties)
Up to 52 weeks loss of rent (and no more than $50,000 per year for holiday let properties)
Untenantable property (due to contents damage)
Up to 6 weeks loss of rent (but no more than $6,000 per year for holiday let properties)
Up to 6 weeks loss of rent (but no more than $6,000 per year for holiday let properties)
Prevention of access
Up to 52 weeks loss of rent for permanent tenancies; Up to 26 weeks loss of rent (but no more than $25,000 per year) for holiday let properties
Up to 52 weeks loss of rent for permanent tenancies; Up to 26 weeks loss of rent (but no more than $25,000 per year) for holiday let properties
Failure to vacate a holiday let property
Covered only if your insured property is a holiday let property. Up to 26 weeks loss of rent (but no more than $25,000 per year)
Covered only if your insured property is a holiday let property. Up to 26 weeks loss of rent (but no more than $25,000 per year)

Up to $60,000 cover included per year, combined with Building Cover. You can increase your cover up to $100,000.

Landlord Preferred Policy or Scheer Short Stay Policy
Residential Building Insurance Policy
Landlord Insurance AND Building Insurance
Insured Events
Accidental loss or damage
Deliberate damage
Up to $500 per claim
Up to $500 per claim
Malicious damage
Flood
Storm or rainwater
Water damage
Fire or explosion
Theft or damage due to theft
Pet damage
Up to $500 per claim (Combined with Building damage)
Up to $500 per claim (Combined with Building damage)
Scorching
Up to $1,000 per year (combined with Building damage)
Up to $1,000 per year (combined with Building damage)
Impact
Earthquake
Glass breakage
Lightning
Oil leakage from any heater
Electric motor burnout
Up to $2,000 per claim
Up to $2,000 per claim
Riot or civil commotion
Landlord Preferred Policy or Scheer Short Stay Policy
Residential Building Insurance Policy
Landlord Insurance AND Building Insurance
Insured Events
Fire or explosion
Storm or rainwater
Flood
Water damage
Lightning
Earthquake
Impact
Accidental glass breakage
Riot or civil commotion
Oil leakage from any heater
Electric motor burnout
Accidental loss or damage
Deliberate damage
Up to $500 per claim
Up to $500 per claim
Malicious damage
Theft or damage due to theft
Pet damage
Up to $500 per claim (Combined with Contents damage)
Up to $500 per claim (Combined with Contents damage)
Scorching
Up to $1,000 per year (Combined with Contents damage)
Up to $1,000 per claim (Combined with Contents damage)
Landlord Preferred Policy or Scheer Short Stay Policy
Residential Building Insurance Policy
Landlord Insurance AND Building Insurance
Insured Events
Legal expenses
Up to $5,000 per claim
Up to $5,000 per claim
Representation costs
Up to $500 per year (with a sub-limit of $300 per claim for engaging a bailiff/sheriff)
Up to $500 per year (with a sub-limit of $300 per claim for engaging a bailiff/sheriff)
Replacement of locks
Up to $250 per claim
Up to $250 per claim
Re-letting expenses that exceed the tenant's bond
Up to $500 per period of insurance
Up to $500 per period of insurance
Removal of goods
Up to $500 per tenancy
Up to $500 per tenancy
Tax audit costs
Up to $1,000 per claim
Up to $1,000 per claim
Legal Liability
Up to $20million in legal liability
Up to $20million in legal liability
Up to $20million in legal liability
Landlord Preferred Self Managed Policy
Residential Building Insurance Policy
Landlord Insurance AND Building Insurance
Insured Events
Absconding tenant
Up to 6 weeks loss of rent
Up to 6 weeks loss of rent
Defaulting tenant (by court order)
Up to 10 weeks loss of rent
Up to 10 weeks loss of rent
Defaulting tenant (by termination notice)
Up to 6 weeks loss of rent
Up to 6 weeks loss of rent
Failure to give vacant possession
Up to 15 weeks loss of rent
Up to 15 weeks loss of rent
Death of tenant
Up to 15 weeks loss of rent for permanent tenancies; Up to 12 weeks loss of rent (but no more than $12,000 per year) for holiday let properties
Up to 15 weeks loss of rent for permanent tenancies; Up to 12 weeks loss of rent (but no more than $12,000 per year) for holiday let properties
Hardship
Up to 4 weeks loss of rent
Up to 4 weeks loss of rent
Untenantable property (due to tenant damage to building)
Up to 52 weeks loss of rent (but no more than $50,000 per year for holiday let properties)
Up to 52 weeks loss of rent (but no more than $50,000 per year for holiday let properties)
Untenantable property (due to non-tenant related damage to building)
Up to 52 weeks loss of rent (and no more than $50,000 per year for holiday let properties)
Up to 52 weeks loss of rent (and no more than $50,000 per year for holiday let properties)
Untenantable property (due to contents damage)
Up to 6 weeks loss of rent (but no more than $6,000 per year for holiday let properties)
Up to 6 weeks loss of rent (but no more than $6,000 per year for holiday let properties)
Prevention of access
Up to 52 weeks loss of rent for permanent tenancies; Up to 26 weeks loss of rent (but no more than $25,000 per year) for holiday let properties
Up to 52 weeks loss of rent for permanent tenancies; Up to 26 weeks loss of rent (but no more than $25,000 per year) for holiday let properties
Failure to vacate a holiday let property
Covered only if your insured property is a holiday let property. Up to 26 weeks loss of rent (but no more than $25,000 per year)
Covered only if your insured property is a holiday let property. Up to 26 weeks loss of rent (but no more than $25,000 per year)

Cover anywhere between $30,000 and $100,000.

Landlord Preferred Self Managed Policy
Residential Building Insurance Policy
Landlord Insurance AND Building Insurance
Insured Events
Accidental loss or damage
Deliberate damage
Up to $500 per claim
Up to $500 per claim
Malicious damage
Flood
Storm or rainwater
Water damage
Fire or explosion
Theft or damage due to theft
Pet damage
Up to $500 per claim (Combined with Building damage)
Up to $500 per claim (Combined with Building damage)
Scorching
Up to $1,000 per year (combined with Building damage)
Up to $1,000 per year (combined with Building damage)
Impact
Earthquake
Glass breakage
Lightning
Oil leakage from any heater
Electric motor burnout
Up to $2,000 per claim
Up to $2,000 per claim
Riot or civil commotion
Landlord Preferred Self Managed Policy
Residential Building Insurance Policy
Landlord Insurance AND Building Insurance
Insured Events
Fire or explosion
Storm or rainwater
Flood
Water damage
Lightning
Earthquake
Impact
Accidental glass breakage
Riot or civil commotion
Oil leakage from any heater
Electric motor burnout
Accidental loss or damage
Deliberate damage
Up to $500 per claim
Up to $500 per claim
Malicious damage
Theft or damage due to theft
Pet damage
Up to $500 per claim (Combined with Contents damage)
Up to $500 per claim (Combined with Contents damage)
Scorching
Up to $1,000 per year (Combined with Contents damage)
Up to $1,000 per claim (Combined with Contents damage)
Landlord Preferred Self Managed Policy
Residential Building Insurance Policy
Landlord Insurance AND Building Insurance
Insured Events
Bailiff/Sheriff fees
Up to $300 per claim
Up to $300 per claim
Replacement of locks
Up to $250 per claim
Up to $250 per claim
Re-letting expenses that exceed the tenant's bond
Up to $500 per period of insurance
Up to $500 per period of insurance
Removal of goods
Up to $500 per tenancy
Up to $500 per tenancy
Tax audit costs
Up to $1,000 per claim
Up to $1,000 per claim
Legal Liability
Up to $20million in legal liability
Up to $20million in legal liability
Up to $20million in legal liability

For full details of our policies we recommend you read the relevant Product Disclosure Statement.