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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 1344.
Rated 5 out of 5 by from GREAT INSURANCE PRODUCT I BOUGHT THIS HOME IN JULY 2019 AND I AM SO HAPPY THAT I HAVE COVERED MY HOME WITH TERRI SCHEER
Date published: 2019-12-06
Rated 4 out of 5 by from Great product for Landlords It was easy to buy online and I have bought the policy 2nd time. I have another policy with Terri Scheer
Date published: 2019-12-05
Rated 4 out of 5 by from Very easy online application Hopefully I'll never need to make a claim, but I'm glad I have coverage just in case. The online application was easy to fill in. But I wish there were notices reassuring me that the security of the connection is safe. (I didn't notice that little green padlock light up on the browser).
Date published: 2019-12-04
Rated 5 out of 5 by from Great product and great price! Simple, easy, and what a great price! Thanks so much :)
Date published: 2019-12-04
Rated 5 out of 5 by from Terri scheer has offered a better cover Terri scheer has offered a better cover than Alliance for landlord insurance. the cover is higher and the excess costs is lower.
Date published: 2019-11-30
Rated 5 out of 5 by from Insurance Great experience as price is very competitive. Thank you Terri scheer.
Date published: 2019-11-29
Rated 4 out of 5 by from Comprehensive Landlord cover A peace of mind for being a landlord of a property.
Date published: 2019-11-28
Rated 5 out of 5 by from Insurance cover made easy Never having rented a property before, I was a bit overwhelmed by all the processes. But Terre Scheer made the insurance side of it very easy. Simple to use website and friendly staff that answered any of my questions.
Date published: 2019-11-28
Rated 5 out of 5 by from Just simple so easy to place cover on line, straight forward & painless process
Date published: 2019-11-27
Rated 5 out of 5 by from LANDLORD INSURANCE GREAT LANDLORD INSURANCE PRODUCT. VERY COMPETITIVE.
Date published: 2019-11-27
Rated 5 out of 5 by from Easy to navigate insurance coverage Purchased the policy on recommendation by friends who also have this policy
Date published: 2019-11-25
Rated 5 out of 5 by from Have peace of mind Using this product for second time. No issues so far
Date published: 2019-11-25
Rated 5 out of 5 by from Great to have this cover You really need to be covered. This has great inclusions and looks out for the everyday issues when renting.
Date published: 2019-11-24
Rated 3 out of 5 by from Insurance for properties with strata Offers residential investment property landlords insurance for places with strata.
Date published: 2019-11-22
Rated 5 out of 5 by from Comprehensive Landlord Insurance Policy Just purchased this Landlord Policy online which was comprehensive rather than a base policy with the need to select add ons such as tenant default.
Date published: 2019-11-19
Rated 5 out of 5 by from Stressless Procedure I had a problem with Youi my previous provider and Terri Sheer came to the rescue. Sorted out everything in an exceptionally quick and efficient way.
Date published: 2019-11-18
Rated 3 out of 5 by from Landlord Insurance It is quite easy to purchase online as this helps save time.
Date published: 2019-11-18
Rated 5 out of 5 by from Very simple Very easy to follow and administer the website on the mobile.
Date published: 2019-11-15
Rated 5 out of 5 by from Cover so simple Had heard about your policies, just completed my purchase and very satisfied with the whole process
Date published: 2019-11-15
Rated 5 out of 5 by from SIMPLE COMPREHENSIVE AND CLEAR simple to use interface with excellent clarity and information
Date published: 2019-11-15
Rated 5 out of 5 by from Great Product Just bought this landlord insurance. So far so good
Date published: 2019-11-15
Rated 5 out of 5 by from Easy and cost effective I bought this today in under 3 minutes. Very satisfied.
Date published: 2019-11-14
Rated 3 out of 5 by from Better offering than others, however ... much of a muchness I suppose. I have had claims turned down. I have been a policy holder for over 10 years & the premium is cheaper if I purchase online as a 'new' policy holder! (Even when I called, the Consultant informed they can't match or give the discount & better to by online!) So much for customer service / value.
Date published: 2019-11-14
Rated 5 out of 5 by from so easy Wow a policy you can understand,so easy to purchase
Date published: 2019-11-12
Rated 5 out of 5 by from Great insurance product I’ve done my research and found that No other insurance companies can offer a comparable product.
Date published: 2019-11-12
Rated 5 out of 5 by from Easy online insurance Just completed this simple process and have cover immediately.
Date published: 2019-11-12
Rated 5 out of 5 by from GOOD PRODUCT LOOKING FOR INSURANCE FOR A LONG TIME, TERRI SCHEER IS THE ONE
Date published: 2019-11-07
Rated 5 out of 5 by from Simple, easy and quick Simple, easy and quick without requiring extensive checks.
Date published: 2019-11-05
Rated 5 out of 5 by from An excellent product. After making a number of both coverage and price comparisons with other companies, Terri Scheer was definitely a clear winner. Their reputation within the insurance industry as being landlord insurance specialists is well justified.
Date published: 2019-11-04
Rated 5 out of 5 by from No Fuss Clear & easy sign up process which obviously has been well thought out.
Date published: 2019-10-31
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