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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.

Landlord Insurance for $1.50 or less per day*

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

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
  • 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 Contents 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 Contents 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 2334.
Rated 4 out of 5 by from Easy to use website Best price recommended to us by broker easy to get online
Date published: 2024-01-08
Rated 5 out of 5 by from Terri Scheer Landlord Insurance For less than the cost of one week's rent, Terri Scheer landlord insurance provides peace of mind knowing that when a tenant leaves on bad terms the landlord is not constantly left out of pocket every time a tenant vacates.
Date published: 2024-01-08
Rated 5 out of 5 by from Excellent Insurance Product Easy to do business and great product. Will recommend to others!
Date published: 2024-01-07
Rated 4 out of 5 by from Great price Cheapest one I found when shopping for landlord insurance.
Date published: 2024-01-05
Rated 5 out of 5 by from Easy purchase Quick and easy purchase but limited payment options offered
Date published: 2024-01-05
Rated 5 out of 5 by from Landlord Insurance Online quote easy to use and understand. Prices good.
Date published: 2024-01-05
Rated 5 out of 5 by from As simple as 123 Our property manager recommended terri scheer to us. We browsed the website and did a quote online. It is very simple. So far, we are quite pleased with their service. Actually, this is our second property to use Terri Scheer for Landlord Insurance.
Date published: 2024-01-05
Rated 5 out of 5 by from Great insurance My son bought one, one year ago and was very happy .
Date published: 2024-01-05
Rated 4 out of 5 by from Easy Purchase online online purchase was a breeze, hassle-free and all info available online.
Date published: 2024-01-02
Rated 5 out of 5 by from Landlords Insurance Easy and efficient, have used them before and they were fantastic when I needed them.
Date published: 2024-01-02
Rated 5 out of 5 by from Good landlord insurance First time with Terri Scheer. Found the policy cover is good and the price quoted is reasonable. Simple and easy to get quote and purchase online.
Date published: 2023-12-31
Rated 5 out of 5 by from Easy to Buy online Need to cover for the Unexpected, we need to safeguard our assets and income.
Date published: 2023-12-28
Rated 5 out of 5 by from Quick & Easy Cover A friend recommended Terri Scheer insurance to me for my rental property. I was so impressed with how clear and transparent the process was and most of all, easy to get cover straight away online.
Date published: 2023-12-28
Rated 5 out of 5 by from great I have bought the landlord insurance and happy with that.
Date published: 2023-12-24
Rated 5 out of 5 by from Extremely highly recommended I now have 2 x property's under Terri Sheer and I couldn't be happier. Thankyou so much for offering such an excellent product. J and I
Date published: 2023-12-23
Rated 5 out of 5 by from Great insurance product Have used the product in the past and have been happy with professional and friendly service
Date published: 2023-12-23
Rated 5 out of 5 by from Excellent Real estate agent advised me to buy this landlord insurance
Date published: 2023-12-23
Rated 4 out of 5 by from Easy to organise New landlord just looking for cover for my investment.
Date published: 2023-12-20
Rated 4 out of 5 by from Easy to use website to purchase insurance I found the website easy to use to purchase landlord protection insurance
Date published: 2023-12-20
Rated 5 out of 5 by from great insuance happy with how easy it is to apply and get cover on my property which is ideal
Date published: 2023-12-19
Rated 5 out of 5 by from execellent product ease of Purchase freindly and helpfull staff with all information to query
Date published: 2023-12-19
Rated 5 out of 5 by from Easy process to take out policy The policy was extremely informative and easy to set up online.
Date published: 2023-12-19
Rated 5 out of 5 by from Great price Quick quote, great price and even better coverage.
Date published: 2023-12-18
Rated 5 out of 5 by from great priice happy for this price compared against other companies
Date published: 2023-12-16
Rated 5 out of 5 by from Great product Happy with easy of application process and it is well known
Date published: 2023-12-15
Rated 5 out of 5 by from Excellent Landlord insurance product Great value Spent less than a minute to get my quote and payed on the spot Around one dollar a day
Date published: 2023-12-15
Rated 5 out of 5 by from Back again Used the service a number of times now. Online sign up qucik and easy and policy price pleasingly reasonable.
Date published: 2023-12-14
Rated 5 out of 5 by from Easy to navigate Very clear to understand and complete the information.
Date published: 2023-12-13
Rated 4 out of 5 by from recommended I bought this because it was recommended by someone who knows about this stuff.
Date published: 2023-12-13
Rated 5 out of 5 by from Easy to access and policy looks great Product is exactly what I was looking for and easy to complete process.
Date published: 2023-12-12
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