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Landlord Insurance Residential tenancy

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

Is your property a holiday rental? View our insurance options here >

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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 (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*
  • Representation costs up to $500*
  • Bailiff/Sheriff fees up to $300 per claim
  • Replacement of locks up to $250
  • Re-letting expenses in excess of the bond up to $500*
  • Removal and storage of goods up to $500
  • Legal liability cover up to $20 million
  • Emergency Service damage up to $1,000

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

This content applies to new policies and renewal policies commenced or renewed on or after 29 March 2021.

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 Landlord Preferred Policy covers permanent or periodic tenancies and includes cover for:

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
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 (including bushfire) 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 or tsunami
Glass breakage
Lightning
Oil leakage from any heater
Electric motor burnout
Up to $2,000 per claim
Riot, civil commotion or public disturbance

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 and storage of goods
Up to $500 per tenancy
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

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 $2,500 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
Up to $2,000 per claim
Riot, civil commotion or public disturbance

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
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 and storage of goods
Up to $500 per tenancy
Legal Liability
Up to $20million in legal liability
Emergency Service damage
Up to $1,000 per claim

This content applies to new policies and renewal policies commenced or renewed on or after 29 March 2021.

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
Landlord Insurance is rated 4.6 out of 5 by 1696.
Rated 5 out of 5 by from New Customer I've bought the insurance just now and it was very seamless experience from start to end via website!
Date published: 2022-05-06
Rated 5 out of 5 by from Happy with the product this is my second policy with Terri Scheer available and affordable for what is needed.
Date published: 2022-05-05
Rated 5 out of 5 by from Easy to do online Just purchased on advice from real estate agent and others
Date published: 2022-05-04
Rated 4 out of 5 by from Good insurane I have a few properties with them & I have tried most other companies over 25years
Date published: 2022-05-02
Rated 4 out of 5 by from Great product, no rewards for loyal clients Great policy and ease of setup online but frustrating to find that the price on the renewal paperwork received annually is higher than if re-quoting online
Date published: 2022-04-30
Rated 5 out of 5 by from Great insurance company Had many family members and friends use this company, very happy, especially the cover and value!
Date published: 2022-04-29
Rated 5 out of 5 by from Very comparable product I have 2 landlord insurances with you. One in QLD and one in NSW now. Your policy is excellent value for money
Date published: 2022-04-29
Rated 4 out of 5 by from Insurance product easy to purchase online My friend referred me to this landlord insurance and I purchase immediately without further checking on other product due to its simplicity in use, ie only going through a few simple steps to complete the purchase.
Date published: 2022-04-28
Rated 4 out of 5 by from 2nd Policies This is the 2nd policy I bought, and I was looking for existing policy info, but no place to check.
Date published: 2022-04-28
Rated 5 out of 5 by from Very easy to complete Just become landlords for the first time. Your company has come highly recommended.
Date published: 2022-04-28
Rated 5 out of 5 by from Great insurance product Purchase easy to navigate online xxxxxxxxxxxxxxxxxx
Date published: 2022-04-27
Rated 4 out of 5 by from Great company but not comfortable to provide DOB Easy to use and great company, but it is funny to be asked for DOB. that is the only part I don't like.
Date published: 2022-04-26
Rated 4 out of 5 by from Easy purchase Husband recommended TS. Easy purchase not too many questions. Bonus 5% off when buying online
Date published: 2022-04-25
Rated 3 out of 5 by from insurance will only know if i ever need a claim. how else can you assess an insurance company?
Date published: 2022-04-25
Rated 4 out of 5 by from New Client I am new to Terri Scheer this renewal. Seems having relatively nominal excesses you save significantly on premiums.
Date published: 2022-04-25
Rated 5 out of 5 by from Great insurance product. Peace of mind, recommended company by my real estate agency.
Date published: 2022-04-24
Rated 5 out of 5 by from Great and reputed Insurance Product Joined today, Good Promotion 15 months for 12 month price
Date published: 2022-04-23
Rated 4 out of 5 by from Easy Registration Very impressed with the registration process easy and uncomplicated
Date published: 2022-04-22
Rated 5 out of 5 by from Ease of process Ease to find, ease to purchase. I prefer to do things by internet and I had that option.
Date published: 2022-04-22
Rated 3 out of 5 by from No existing customer details I am an existing customer and I have to go through and enter all my details again
Date published: 2022-04-21
Rated 5 out of 5 by from Great service Quick and easy to use, did make one call and service was fantastic
Date published: 2022-04-21
Rated 4 out of 5 by from chose of products customor can choose the products to meet their need.
Date published: 2022-04-19
Rated 5 out of 5 by from Landlord insurance policy - Great Easy to understand while getting a quote. Easy to buy once quote is made. Great value for money.
Date published: 2022-04-17
Rated 5 out of 5 by from Landlord Insurance Online Application Just purchased online. Extremely easy and well explained.
Date published: 2022-04-12
Rated 4 out of 5 by from Landlord Insurance Updated a Changed to New Provid Product Satisfactory for its intended purpose as presented.
Date published: 2022-04-10
Rated 3 out of 5 by from Lack of online payment options Not happy at all that I was made pay for this policy online by credit card or lose my 5% policy discount, I have three Terri Scheer policies, I wanted to pay via Bpay, but to pay this way, it would have cost me an extra $17, not acceptable, more payment options should be available.
Date published: 2022-04-08
Rated 5 out of 5 by from Great insurance product very happy, easy to complete the application will reccomend to others
Date published: 2022-04-07
Rated 4 out of 5 by from Great value Landlord Insurance This is our first time investing in property and considering a Landlord Insurance provider. I went to my usual insurer and the cost of their policy was 3 x the price of the Terri Scheer product. The coverage provided under this policy is also superior to other insurers that I considered. Whilst I rate the features and benefits, value for money and ease of purchase each at 5 stars, I maintain an overall rating of 4 stars as the true test of any insurance policy comes at the time you may need to make a claim. Hopefully that doesn't happen soon, but that is the whole reason we choose to protect our assets with this type of product.
Date published: 2022-04-06
Rated 5 out of 5 by from Great Insurance Product I just bought this policy for the first time. See how it goes!
Date published: 2022-04-06
Rated 4 out of 5 by from Good Insurance I used Terri Sheer Landlord Insurance now for 5 properties and we are happy with them.
Date published: 2022-04-05
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