1800 804 016

Mon-Fri 8.30am to 5pm

Landlord Insurance

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

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:

  • Absconding tenant
  • Defaulting tenant
  • Failure to give vacant possession
  • Death of a tenant
  • Hardship
  • Untenantable property
  • Prevention of access
  • Failure to vacate a holiday let property
  • 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:

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 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
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)
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)
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
Failure to vacate a holiday let property
Up to 26 weeks loss of rent (but no more than $25,000 per year)
Rent reduction
Up to 6 weeks reduction of rent

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

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)
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:

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 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
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)
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)
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
Failure to vacate a holiday let property
Up to 26 weeks loss of rent (but no more than $25,000 per year)
Rent reduction
Up to 6 weeks reduction of rent

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

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)
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 862.
Rated 5 out of 5 by from Very good product I already have Landlord Insurance on another property and we are happy with the product features.
Date published: 2018-09-11
Rated 4 out of 5 by from Easy to do Very easy to do. Cover is general which should make life easy if used.
Date published: 2018-09-11
Rated 4 out of 5 by from Best landlords Insurance This is our 3rd policy with Terri Sheer, best on market
Date published: 2018-09-10
Rated 5 out of 5 by from Good Value Great Landlords Insurance Policy. Covers everything and gives peace of mind at an affordable price with realistic excesses.
Date published: 2018-09-09
Rated 5 out of 5 by from Quick and easy process New landlord and getting insurance online was easy and uncomplicated !
Date published: 2018-09-09
Rated 5 out of 5 by from great product product has everything you need for the insurance without costing you too much out your pocket
Date published: 2018-09-08
Rated 5 out of 5 by from Great Landlord insurance I have had insurance with you with my first property, and want you with my next property, very happy with your insurance product.
Date published: 2018-09-08
Rated 4 out of 5 by from Landlord Just purchased landlord insurance with Terri Scheer for the forest time and their quote was so much cheaper than the other company I have been with for two years
Date published: 2018-09-07
Rated 5 out of 5 by from First time insurance policy Just purchased but seems like good value with flexible options for tenant insurance and/or building and contents
Date published: 2018-09-06
Rated 4 out of 5 by from Very easy to set up. Very easy to set up. Hope its this good if we ever have to make a claim
Date published: 2018-09-04
Rated 5 out of 5 by from Great price Simple process, very competitive price and specialise products
Date published: 2018-09-03
Rated 5 out of 5 by from Looks good Product Looks like a very good product. just bought Landlord Insurance
Date published: 2018-09-03
Rated 5 out of 5 by from GREAT INSURANCE POLICY I HAVE JUST BOUGHT THIS PRODUCT, HOWEVER, HAVE HAD RAVE REVIEWS PREVIOUSLY
Date published: 2018-09-02
Rated 4 out of 5 by from Easy Insurance Product and Process Compared to my previous insurer, Terry Scheer was a painless insurance process.
Date published: 2018-09-02
Rated 3 out of 5 by from Renewal on landlord insurance Its really annoying that your renewal amount is higher than the online quote and you have to cancel you existing policy and take out a new on to get the lower price.
Date published: 2018-08-31
Rated 5 out of 5 by from Muli Policy Landlord Insurance Found this company and web site so easy to navigate and purchase insurance policies. A most competitive product
Date published: 2018-08-30
Rated 4 out of 5 by from Easy process! Easy to purchase landlord's insurance. Would be good to easily be able to add extras like loss of rent, with one click.
Date published: 2018-08-30
Rated 5 out of 5 by from Fully covered Terri Scheer has worked out the best cover for me as a first time landlady. Very easy to use, no superfluous questions.
Date published: 2018-08-30
Rated 5 out of 5 by from Great insurance Simple to purchase and a must have insurance product.
Date published: 2018-08-29
Rated 4 out of 5 by from landlord ins I like this product because it covers alot of items and is not too expensive compared to other policies
Date published: 2018-08-29
Rated 5 out of 5 by from Very easy and quick Easy to join online quick details and payment options
Date published: 2018-08-29
Rated 5 out of 5 by from Easy Landlord Insurance I've jsut used the online applicatin. It was quick and easy, yet comprehensive.
Date published: 2018-08-28
Rated 5 out of 5 by from Big saving from previous Insurer Decided after 5 years of being with the same Insurer to get a quote on renewal. Terri Scheer has much better cover and excesses and also saved $180 pa.
Date published: 2018-08-28
Rated 5 out of 5 by from best options The policy covers everything I need at a reasonable cost
Date published: 2018-08-28
Rated 4 out of 5 by from Comprehensive product Covers all needs, great price - easy to sign up to
Date published: 2018-08-28
Rated 4 out of 5 by from Required Insurance Purchased online, very easy, very specific cover is what I needed
Date published: 2018-08-24
Rated 5 out of 5 by from Great product purchased this month and very happy recommed to any would be landlord
Date published: 2018-08-20
Rated 5 out of 5 by from Looking for change Have nothing but great reviews about Terri Scheer Landlords insurance so switched to this product
Date published: 2018-08-19
Rated 5 out of 5 by from Good Insurance Company for Landlord Insurance My father used this company for his property on the Gold Coast and recommend it to me plus the television adds
Date published: 2018-08-18
Rated 5 out of 5 by from great I am very happy to buy this insurance and will recommend to my friend
Date published: 2018-08-17
  • y_2018, m_9, d_18, h_1
  • bvseo_bulk, prod_bvrr, vn_bulk_2.0.8
  • cp_2, bvpage2n
  • co_hasreviews, tv_0, tr_862
  • loc_en_AU, sid_LandlordInsurance, prod, sort_[SortEntry(order=SUBMISSION_TIME, direction=DESCENDING)]
  • clientName_terrischeer
  • bvseo_sdk, p_sdk, 3.2.0
  • CLOUD, getContent, 154.79ms
  • REVIEWS, PRODUCT