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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 1057.
Rated 5 out of 5 by from So far so good! I have just signed up but found the process very straight forward. All information was easily accessible and I understood what I was being covered for.
Date published: 2019-02-10
Rated 4 out of 5 by from needed to rent just bought product time will tell. easy and fair price
Date published: 2019-02-08
Rated 5 out of 5 by from EXCELLENT Landlord Insurance! Great premium and cover. My previous insurer of 3 years just couldn't compete with your fabulous landlord insurance product. Thank you.
Date published: 2019-02-07
Rated 5 out of 5 by from Great Insurance Product & Reliability I have had my property manager liaise with Terri Scheer to ensure my property is covered and looked after, and it’s been a satisfaciry response and good culture support received.
Date published: 2019-02-07
Rated 5 out of 5 by from Great and simplistic I haven’t seen any simple product in the market. It’s easy to choose and options are available easily.
Date published: 2019-02-07
Rated 4 out of 5 by from Very straightforward and reasonable Quote I googled landlord insurance,I saw many Insurance companies and these people were recommended by my property manager so I clicked and was very happy with the Quote and their web sight
Date published: 2019-02-06
Rated 5 out of 5 by from Short stay insurance I only just bought this but i am happy with the ease of it .
Date published: 2019-02-04
Rated 5 out of 5 by from Absolutely the ONLY one that was straightforward!! I tried several different providers for my landlord insurance. I’m new to all of this, but I’m not stupid! They were all so complicated and difficult to navigate. So I asked my managing agent who they recommended and they said that, hands down, Terri Scheer was the best. They were right. It took me 10 minutes from start to finish and now I feel confidently covered.
Date published: 2019-02-04
Rated 5 out of 5 by from Reliable insurance product Happy with product that is offered - friendly online staff providing informative assistance - have several properties covered - provides me with certainty and confidence.
Date published: 2019-02-01
Rated 5 out of 5 by from Quick and easy landlord insurance Purchased landlord insurance online and I would just like to say wow - I am so grateful I came across your company, you have such an easy to use system for online quotes and payment was so quick. I feel so relieved!
Date published: 2019-01-31
Rated 5 out of 5 by from Online purchase I got an easy quote and they followed up online for me to complete the application
Date published: 2019-01-30
Rated 4 out of 5 by from Simple process The insurance offered meets our needs and the process to arrange it was simple and intuitive.
Date published: 2019-01-29
Rated 4 out of 5 by from landlord insurances We are over seas land lords and could not enter our over seas address. Other wise very easy to read and understand
Date published: 2019-01-29
Rated 4 out of 5 by from Recommended It was THAT time again. I did my due diligence and did a quote through Terri Scheer. I was amazed at how much I could save and how much more I could be covered for. I asked my property manager about things to look for in this area and she sent me a collection of brochures she'd recommend. One was Terri Scheer and for me that cinched the deal.
Date published: 2019-01-29
Rated 5 out of 5 by from Extremely easy to obtain I have just purchased my Landlord Insurance and it was so easy.
Date published: 2019-01-29
Rated 5 out of 5 by from Landlord Insurance So simple to organise and no worries about insurance cover
Date published: 2019-01-29
Rated 5 out of 5 by from GREAT PRODUCT I JUST BOUGHT THIS INSURANCE BECAUSE IT'S GREAT VALUE.
Date published: 2019-01-29
Rated 5 out of 5 by from Great Very easy to get covered online and was a better price then other insurance companies
Date published: 2019-01-28
Rated 5 out of 5 by from Great value for money Easy to purchase and great coverage with awesome value for money
Date published: 2019-01-27
Rated 5 out of 5 by from EASE OF USE WEBSITE THE WEBSITE WAS EASY TO USE AND DETAILS WERE PRESENTED WELL.
Date published: 2019-01-26
Rated 4 out of 5 by from Great insurance product Had good reviews, by other people. Would recommend to friends
Date published: 2019-01-25
Rated 5 out of 5 by from Great insurance product Most efficient. Thank you for processing this application so quickly.
Date published: 2019-01-25
Rated 4 out of 5 by from first time that we have used this company first rental property and first time that we have used this company
Date published: 2019-01-24
Rated 5 out of 5 by from First landlord insurance only heard good things so i took a chance and is not dissapointed
Date published: 2019-01-24
Rated 3 out of 5 by from Reliable product, Easy to buy but little overprice This insurance product is very reliable but little costly. Team should look into it.
Date published: 2019-01-24
Rated 4 out of 5 by from Great process Easy to apply and pay for , cover is good and only takes 5 minutes to secure
Date published: 2019-01-23
Rated 4 out of 5 by from Great insurance coverage for investment properties I bought this insurance for my granny flat which is cost effective and provides great coverage for landlords.
Date published: 2019-01-22
Rated 5 out of 5 by from Easy process I was pleasantly surprised by the ease of the online application process & the product was just what I wanted at a very good price.
Date published: 2019-01-22
Rated 5 out of 5 by from Better cover and better price After getting my landlord insurance renewal from my property manager it appeared to be more expensive than expected - so I looked at the policy and it basically covered very little, so I shopped around, found Terri Scheer and their policy provided much more cover and was around $80 less. It was easy and fast to process and I now feel much more comfortable.
Date published: 2019-01-21
Rated 5 out of 5 by from Great Very happy with this product easy to get a quote. Thanks
Date published: 2019-01-21
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