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Landlord Insurance

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

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Your Investment Property Awards – Landlord Insurance

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:

  • Absconding tenant
  • Defaulting tenant
  • Failure to give vacant possession
  • Death of a tenant
  • Hardship
  • Untenantable property
  • Prevention of access
  • Rent reduction

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 or explosion
  • Show more

Building

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

Provides cover for:

  • Tenant Damage
  • Pet damage
  • Scorching

Additional benefits

  • Legal expenses up to $5,000*
  • Representation costs up to $500*
  • Bailiff/Sheriff fees
  • Replacement of locks up to $250
  • Re-letting expenses in excess of the bond up to $500
  • Removal of goods up to $500
  • Tax audit costs up to $1,000
  • Legal liability cover up to $20 million
  • Emergency Service damage up to $1,000

*Legal expenses and representation costs are only covered under the Landlord Preferred Policy and Scheer Short Stay Policy.

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

Details of what's covered

If you use a property manager, we have two types of Landlord Insurance policies available. Our Landlord Preferred Policy covers those with permanent tenancies and our Scheer Short Stay Policy covers those with short-term rentals or holiday homes.

Both policies include:

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 28 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 for permanent tenancies
Rent reduction
Up to 6 weeks reduction of rent

Contents

Show Detail

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

Insured Events
Sub-limit
Tenant Damage
Flood
Storm or rainwater
Escape of liquid
Fire or explosion
Break-in vandalism or theft
Pet damage
Up to $2,500 per period of insurance (Combined with Building damage)
Scorching
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
Riot or civil commotion

Building

Show Detail

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

Insured Events
Sub-limit
Tenant Damage
Pet damage
Up to $2,500 per period of insurance (Combined with Building damage)
Scorching
Up to $1,000 per year (Combined with Contents damage)

Other

Show Detail
Insured Events
Limit
Legal expenses
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)
Replacement of locks
Up to $250 per claim
Re-letting expenses in excess of the bond
Up to $500 per period of insurance
Removal of goods
Up to $500 per tenancy
Tax audit costs
Up to $1,000 per claim
Legal Liability
Up to $20million in legal liability
Emergency Service damage
Up to $1,000 per claim

Our 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 for permanent tenancies
Rent reduction
Up to 6 weeks reduction of rent

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 or explosion
Break-in vandalism or theft
Pet damage
Up to $2,500 per period of insurance (Combined with Building damage)
Scorching
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
Riot or civil commotion

Building

Show Detail

Up to $60,000 cover included per year

Insured Events
Sub-limit
Tenant Damage
Pet damage
Up to $2,500 per period of insurance (Combined with Building damage)
Scorching
Up to $1,000 per year (Combined with Contents damage)

Other

Show Detail
Insured Events
Limit
Legal expenses
Up to $5,000 per claim
Bailiff/Sheriff fees
Up to $300 per claim
Replacement of locks
Up to $250 per claim
Re-letting expenses in excess of the bond
Up to $500 per period of insurance
Removal of goods
Up to $500 per tenancy
Tax audit costs
Up to $1,000 per claim
Legal Liability
Up to $20million in legal liability
Emergency Service damage
Up to $1,000 per claim

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

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
Landlord Insurance is rated 4.5 out of 5 by 1233.
Rated 5 out of 5 by from Great service Very happy with the cost and services. Thank you for this
Date published: 2019-08-07
Rated 5 out of 5 by from Highly recommended by real estate and landlords. So easy to apply online. They come highly recommended but hope I won’t have to put them to the test.
Date published: 2019-08-06
Rated 4 out of 5 by from BEST I COULD FIND 2ND YEAR AND HAVE ADDED ANOTHER PROPERTY. BEST OVERALL COVERAGE WITH LESS HASSLE. NO CLAIMS YET SO ONLY THING NOT REVIEWED. CHEERS
Date published: 2019-08-06
Rated 5 out of 5 by from Good insurance Good value and easy to purchase Quick to get a quote
Date published: 2019-08-05
Rated 3 out of 5 by from Easy to get quote Recently bought and found it easy to get quote sign up
Date published: 2019-08-02
Rated 5 out of 5 by from Clear and concise policy Just organised this and the process was simple and the policy looks great
Date published: 2019-07-31
Rated 5 out of 5 by from Great product This is the second time I have used Terri Scheer. Always easy, efficient & value for peace of mind
Date published: 2019-07-29
Rated 4 out of 5 by from Landlord Insurance Very easy process to go through online. Policy is much cheaper than elsewhere.
Date published: 2019-07-29
Rated 5 out of 5 by from Easy insurance type It would be great of you had a returning customer section, I had to type all my details in again for the 3rd year running
Date published: 2019-07-27
Rated 5 out of 5 by from Great value for money I have 2 other policies with Terri scheer and while I have never had to make a claim, I have been happy with their service and efficiency
Date published: 2019-07-26
Rated 4 out of 5 by from Easy online transaction Using the online process to buy insurance is a breeze
Date published: 2019-07-24
Rated 5 out of 5 by from Easy Peasy Easy process, will come back to review process if I have any issues with claims etc.
Date published: 2019-07-24
Rated 5 out of 5 by from no hassle insurance I am happy with the product so far, havent made a claimed yet but good feedback about this product from all the agents.
Date published: 2019-07-24
Rated 3 out of 5 by from online process was efficient Only just purchased. A good reputation. Proof is in the pudding. I will review again if I have to make a claim. That is when an insurance company review is most productive. (Landlady actually)
Date published: 2019-07-23
Rated 5 out of 5 by from good! good products easy to purchase good price, good service
Date published: 2019-07-23
Rated 5 out of 5 by from Excellent insurance Have used this company previously and been very pleased when I have had to make a claim.
Date published: 2019-07-19
Rated 5 out of 5 by from Great Affordable Insurance Bought this a few years ago, had a claim and the process was very straightforward and no stress. The Terri Scheer team are great.
Date published: 2019-07-17
Rated 4 out of 5 by from Landlord insurance Second Terri Scheer policy. Happy with product in the past.
Date published: 2019-07-16
Rated 5 out of 5 by from Mr Dhanabal All good , Policy will be easy to go with on line with 5% discount
Date published: 2019-07-14
Rated 5 out of 5 by from a landlord's thoughts second property to be insured with your organisation … great value
Date published: 2019-07-14
Rated 2 out of 5 by from Bad customer service I bought this Landlord Insurance 2-3 back and still with you, No one send yoy renewal notice emai nothing.
Date published: 2019-07-13
Rated 5 out of 5 by from #1 for a reason Best coverage by far. Best prices. Lowest excesses. Fast and efficient support. Very good to deal with. Have dealt with all insurers and these are by far the best.
Date published: 2019-07-11
Rated 5 out of 5 by from THE BEST LANDLORD INSURER I had previously held policies with Terri Scheer and recently renewed with him.
Date published: 2019-07-10
Rated 5 out of 5 by from Landlord insurance This is my 4th policy with Terri Scheer- with one seamless claim in 7 years.
Date published: 2019-07-09
Rated 5 out of 5 by from Great Easy Insurance Really easy to do online. Only took a couple of minutes
Date published: 2019-07-05
Rated 5 out of 5 by from Scheer Luck Online purchase : straightforward, uncomplicated, comprehensive and swift.
Date published: 2019-07-04
Rated 5 out of 5 by from Easy Insurance I completed the Landlord Insurance Policy online for my owner and it was very easy.
Date published: 2019-07-04
Rated 5 out of 5 by from Straightforward Insurance Policy I was referred by my property manager, and on checking it out, thought that this was the commonsense way to insure my property. It is all covered and for more than I ever thought I would need. Gives a feeling of security.
Date published: 2019-07-03
Rated 4 out of 5 by from very good product I wish it had a better discount for being a second insurance with you
Date published: 2019-07-03
Rated 5 out of 5 by from great options just purchased and piece of mind with process !!!!
Date published: 2019-07-02
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