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Holiday Rental Insurance

Covers you for tenant-related risks including loss of rental income, and loss or damage by tenants to your holiday rental building and contents.

Holiday Rental Insurance for $1.50 or less per day^

Is your property a residential tenancy? View our insurance options here >

Combine with Building and Save+.Find out more >
Buy online and SAVE 5% on your first year's premium+

What's Covered

Loss of rental income

Protects you from loss of rental income as a result of scenarios such as those listed below.

Provides cover for:

  • Death of a tenant
  • Untenantable property
  • Prevention of access
  • Failure to Vacate

Contents

Protects those furnishings you forget, like curtains, carpets, blinds and light fittings. What contents are covered?

Provides cover for:

  • Tenant Damage
  • Flood
  • Storm or rainwater
  • Escape of liquid
  • Fire (including bushfire) or explosion
  • Show more
  • We do not insure you for bushfire, storm, flood or tsunami in the first 72 hours of your policy. Very limited exceptions apply. Read the PDS for more detail.

Building

Protects your building against: loss or damage caused by tenants, their family or their invited guests. What does building include?

Provides cover for:

  • Tenant Damage
  • Pet damage
  • Scorching

Additional benefits

  • Legal expenses up to $5,000
  • Legal liability cover up to $20 million
  • Emergency Service damage up to $1,000

This content applies to policies commenced or renewed on or after 10 August 2024.

For full details of our policies we recommend you read the relevant Product Disclosure Statement.
The Target Market Determination is also available.

Details of what's covered

If your property is managed by a property manager the Terri Scheer Short Stay Policy covers short stay tenancies and includes cover for:

Loss of Rental Income

Hide Detail
Insured Events
Sub-limit
Untenantable (Building)
52 weeks loss of rent per incident, but no more than $50,000 in any one period of insurance
Untenantable (murder/suicide)
52 weeks loss of rent per incident, but no more than $50,000 in any one period of insurance
Untenantable (death of tenant)
26 weeks loss of rent per incident, but no more than $25,000 in any one period of insurance
Untenantable (contents)
6 weeks loss of rent per incident, but no more than $6,000 in any one period of insurance
Prevention of access
52 weeks loss of rent
Failure to vacate
26 weeks of rent per incident, but no more than $25,000 in any one period of insurance
Death of tenant
12 weeks loss of rent per incident, but no more than $12,000 in any one period of insurance

Contents

Show Detail
Insured Events
Sub-limit
Break-in vandalism or theft
Earthquake or tsunami
Electric motor burnout
Reasonable costs for motors less than 7 years old
Escape of liquid
Fire (including bushfire) or explosion
Flood
Glass breakage
Impact
Lightning
Oil leakage from any heater
Pet damage
Up to $5,000 per period of insurance (Combined with Building damage)
Riot, civil commotion or public disturbance
Scorching
Up to $1,000 per period of insurance (Combined with Building damage)
Storm or rainwater
Tenant Damage

Building

Show Detail
Insured Events
Sub-limit
Pet damage
Up to $5,000 per period of insurance (Combined with Contents damage)
Scorching
Up to $1,000 per period of insurance (Combined with Contents damage)
Tenant Damage

Other

Show Detail
Insured Events
Limit
Legal expenses
Up to $5,000 per claim
Legal Liability
Up to $20million in legal liability
Emergency Service damage
Up to $1,000 per claim

The Landlord Preferred Self Managed Policy covers landlords who manage the property themselves.

It includes:

Loss of Rental Income

Hide Detail
Insured Events
Sub-limit
Absconding tenant
Up to 20 weeks loss of rent
Defaulting tenant (by court order)
Up to 20 weeks loss of rent
Defaulting tenant (by termination notice)
Up to 20 weeks loss of rent
Failure to give vacant possession
Up to 15 weeks loss of rent
Death of tenant
Up to 15 weeks loss of rent
Hardship
Up to 4 weeks loss of rent
Untenantable property (due to tenant damage to building)
Up to 52 weeks loss of rent
Untenantable property (due to contents damage)
Up to 6 weeks loss of rent
Prevention of access
Up to 52 weeks loss of rent
Rent reduction
Up to 6 weeks reduction of rent under ‘Section 2: Contents’
Up to 52 weeks reduction of rent under ‘Section 3: Building (tenant damage)’

Contents

Show Detail

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

Insured Events
Sub-limit
Tenant Damage
Flood
Storm or rainwater
Escape of liquid
Fire (including bushfire) or explosion
Break-in vandalism or theft
Pet damage
Up to $5,000 per period of insurance (Combined with Building damage)
Scorching
Up to $1,000 per year (combined with Building damage)
Impact
Earthquake or tsunami
Glass breakage
Lightning
Oil leakage from any heater
Electric motor burnout
Reasonable costs for motors less than 7 years old
Riot, civil commotion or public disturbance

Building

Show Detail

Up to $60,000 cover included per period of insurance

Insured Events
Sub-limit
Tenant Damage
Pet damage
Up to $5,000 per period of insurance (Combined with Contents damage)
Scorching
Up to $1,000 per period of insurance (Combined with Contents damage)

Other

Show Detail
Insured Events
Limit
Legal Liability
Up to $20million in legal liability

This content applies to policies commenced or renewed on or after 10 August 2024.

For full details of our policies we recommend you read the relevant Product Disclosure Statement.
The Target Market Determination is also available.

Why Landlord Insurance is important

Landlord Insurance covers you for tenant-related losses. Things like loss of rent due to a tenant breaking their lease or being evicted, or damage caused to your contents by tenants, like drink spills on carpets. Other insurance may not cover these events, and very often, the bond won’t be enough to cover the associated costs.

Combine
and save

If you own a freestanding building, combine one of our Landlord Insurance products with our Residential Building Insurance and receive a 10% discount+ on your Residential Building Insurance policy.

Find out more
Holiday Rental Insurance is rated 4.8 out of 5 by 189.
Rated 5 out of 5 by from Great cover Great value for the price, very easy to get cover online, great customer service on the phone also.
Date published: 2024-04-15
Rated 5 out of 5 by from Good product Easy online ordering, and great product selection.
Date published: 2024-04-15
Rated 5 out of 5 by from great product I found this product easy to get a quote from last time
Date published: 2024-04-11
Rated 4 out of 5 by from Easy to deal with I needed a policy and application was an easy process as was talking to Renee a staff member, she knew exactly what I wanted and she was able to guide me through the process.
Date published: 2024-04-10
Rated 5 out of 5 by from landlord insurance just purchased after advice from professionals at quality rate when compared to others.
Date published: 2024-04-05
Rated 5 out of 5 by from efficient buying the property tomorrow and the process in obtaining the insurance was efficient. A quick call confirmed all cover I required was within the policy I selected.
Date published: 2024-04-04
Rated 4 out of 5 by from Great insurance for Landlord I bought this policy to cover our short stay rental. Great value for money, but a bit confusing wording in the application.
Date published: 2024-03-23
Rated 5 out of 5 by from First time user I needed to arrange insurance for 2 apartments we have at Noosa. The telephone help line was easy to access to clarify a couple of questions I had regarding which product to use. This made the online quote easy to request and complete. Will definitely recommend Terry Scheer to my friends.
Date published: 2024-03-11
Rated 5 out of 5 by from Easy to make application Simple process to follow online for Landlord Insurance and reasonable rates
Date published: 2024-02-08
Rated 5 out of 5 by from Landlord Ins. - Short Term Rental - Great Product Easy online purchase of Short Term rental Landlord insurance
Date published: 2024-02-06
Rated 5 out of 5 by from Great products Easy to do a quote , no hiccups , policy in place straight away
Date published: 2024-02-06
Rated 5 out of 5 by from Great Just purchased and really surprised how easy and reliable it has been
Date published: 2024-02-05
Rated 5 out of 5 by from Well targeted policy All of my questions appear to be answered clearly and suits my needs well.
Date published: 2024-02-05
Rated 5 out of 5 by from Very easy sytem I now have peace of mind and have no need to worry when having strangers stay in my home.
Date published: 2024-01-18
Rated 5 out of 5 by from So Easy Thank you for making this process so easy and straightforward and fast. Tick, tick, tick.
Date published: 2024-01-18
Rated 5 out of 5 by from Great product I have used Terri Scheer insurance before with other properties
Date published: 2024-01-15
Rated 5 out of 5 by from Great insurance easy, simple. quick helpful what we needed. happy to help over the phone.
Date published: 2023-12-21
Rated 5 out of 5 by from Easily managed Have had this before in another property in Queensland
Date published: 2023-12-08
Rated 5 out of 5 by from easy to purchase Just purchased. No silly question. Web Site works well
Date published: 2023-12-08
Rated 5 out of 5 by from Really good insurrance product I bought this few months ago and happy to continue
Date published: 2023-12-08
Rated 5 out of 5 by from good product Have other policies with them good to deal with ease of quote.
Date published: 2023-12-06
Rated 5 out of 5 by from Very easy and straight forward We needed holiday rental insurance and found this company very easy to interact with online to purchase the policy
Date published: 2023-12-05
Rated 5 out of 5 by from :Landlord Insurance Application made easy, price good and product is what I require
Date published: 2023-12-04
Rated 5 out of 5 by from WOW ! So simple / clear and easy ! THANK YOU> Just bought a Unit and in the same hour had my insurances up and running in the same couple of hours from a recommendation by the letting Agent...now I am seeing all the adverts for Terri Scheer on the Telly. Subliminal Advertising indeed. Thanks guys 1
Date published: 2023-11-29
Rated 5 out of 5 by from Simple and easy! Such a fuss free, simple process. Reliable, efficient and competitively priced.
Date published: 2023-11-14
Rated 5 out of 5 by from Great Insurance Product great product,ease of purchase and lots of information
Date published: 2023-11-02
Rated 5 out of 5 by from Landlord insurance Just bought this after recommendation from friends
Date published: 2023-11-01
Rated 5 out of 5 by from Good Product I have heard good things about them so looked online and to subscribe took about 5 Minutes
Date published: 2023-10-27
Rated 5 out of 5 by from Good cover and easy to sign up Purchased a new short term rental home and this policy was simple to get and price competitive.
Date published: 2023-10-24
Rated 5 out of 5 by from Great insurance product TERRI SCHEER IS SUPER GOOD IN FACT EXCELLENT HIGHLY RECOMMEND
Date published: 2023-10-17
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