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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 177.
Rated 5 out of 5 by from Insurance for a Great Price Have only just purchased this insurance policy and it was so easy and competitively priced
Date published: 2023-08-28
Rated 5 out of 5 by from Fast & easy insurance at a click of a button Really easy to get insurance when my broker couldnt find me anyone to be insured with.
Date published: 2023-08-28
Rated 4 out of 5 by from Insurance for Rental Reasonably easy to apply on line. First time taking out this sort of policy so can't really say much more at this stage.
Date published: 2023-08-28
Rated 5 out of 5 by from Great product All good but doing it online the questions regarding who manages the property is confusing. It is actually managed by the on-site managers at Oxley Court which I tried to include but your robot wouldn’t except it so I had to say that I managed it.
Date published: 2023-08-21
Rated 2 out of 5 by from online form sucks it took me 2 goes with each attempt requiring multiple attempts on each page.
Date published: 2023-08-15
Rated 4 out of 5 by from Too Easy Just popped online to get a quote and bought insurance in just a few minutes total. A surprisingly reasonable quote too.
Date published: 2023-08-07
Rated 5 out of 5 by from excellent competitive pricing, easy to use web site, recommended
Date published: 2023-07-31
Rated 5 out of 5 by from Well Done Terri Scheer you made insuring our rental property easy, and we appreciate that
Date published: 2023-07-31
Rated 5 out of 5 by from Super easy and value for money Excellent online customer experience. Thank you for making insurance simple and accessible.
Date published: 2023-07-28
Rated 3 out of 5 by from Hard to complete application form They ask you the same questions twice. They need to review their on line sysytem
Date published: 2023-07-27
Rated 5 out of 5 by from Easy Granny Flat AirBnB Landlord Ins. The online process was easy & my telephone call for clarification with the call centre was helpful. I’m hoping we won’t need to claim however if so I hope the claim process is as easy. Thank you.
Date published: 2023-07-25
Rated 5 out of 5 by from Easy to set up Their competition kept emailing a quote but no way to pay and not answering the phone. Terri Sheer was so much easier
Date published: 2023-07-14
Rated 5 out of 5 by from Easy Easy online quote. No fuss. Simple 2 page process. Clarification with call centre also very easy.
Date published: 2023-07-06
Rated 5 out of 5 by from Simple, professional and cost effective choice Compared to most other insurers Terri Scheer is a simple, practical and straightforward process which is also competitive in pricing
Date published: 2023-06-28
Rated 5 out of 5 by from Easy to deal with Easy to deal with online. Fast service and includes everything I need
Date published: 2023-06-19
Rated 5 out of 5 by from easy to use very east to deal with and easy to apply on line will and money for value
Date published: 2023-06-14
Rated 5 out of 5 by from Easy and great definition Great product and very smooth and simple online process.
Date published: 2023-06-10
Rated 5 out of 5 by from Too easy This is the easiest insurance policy I have ever purchased
Date published: 2023-06-02
Rated 5 out of 5 by from Good & stable insurance I choose terri scheer for my first investment property and I have found it to be very reliable.
Date published: 2023-05-30
Rated 5 out of 5 by from Awesome insurance product I have used Terri Sheer in the past with my investment properties and once again, value for money and peace of mind continues.
Date published: 2023-05-26
Rated 4 out of 5 by from Rental Property Insurance - Quick and Easy The quotation process was very quick and easy and was $600.00 cheaper than another quote I received from another provider.
Date published: 2023-05-09
Rated 5 out of 5 by from Great company Have bought several policies over the years And have always been very professional
Date published: 2023-05-03
Rated 5 out of 5 by from Easy insurance to obtain and great value for money great product & Easy insurance to obtain and great value for money
Date published: 2023-04-27
Rated 3 out of 5 by from Insurance holiday rental App is easy to use. No provision though for existing customers to nominate unless third policy holders. Hoping ongoing discount applies next year as it does with our other policy. Information provided for review is valuable for customers to read & understand at time of buying policy
Date published: 2023-04-15
Rated 5 out of 5 by from Easy to insure Insured my rental property today. Easy to do this online
Date published: 2023-04-03
Rated 5 out of 5 by from The product is exactly what I required I have just purchased this product for the first time and the product looks to cover all my needs.
Date published: 2023-03-27
Rated 5 out of 5 by from great online service easy online service tried a few this was the easiest to quote and buy
Date published: 2023-03-20
Rated 5 out of 5 by from Easy transaction Great and quick telephone response, simple form to complete.
Date published: 2023-03-06
Rated 4 out of 5 by from Great Just bought it. Easy process. Very comprehensive and easy to understand
Date published: 2023-03-03
Rated 5 out of 5 by from Great product, exactly what I wanted Great value for money. After reading many reviews on different insurance companies, Terri Sheer stood out by far.
Date published: 2023-02-21
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