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Landlord Insurance

Protect your investment property, with competitively-priced Landlord Insurance.

Choose to insure your rental property, its contents, or both, with Australian Unity Landlord Insurance. You can relax knowing you’re covered against property damage and loss of rent, as well as additional options for vandalism by tenants and rent default.

Call 1800 171 889 to discuss your requirements

Key benefits:

  • Full building cover and or landlord’s contents
  • Cover against fire flooding and other natural disasters
  • Optional cover for malicious damage or theft by tenants
  • Cover for lost rent with the option of cover for rent default
  • $30 million of personal liability

We’ll look after events ranging from accidents to theft, to serious damage


Covers you for many tenant-related risks

Insured events:

  • Fire
  • Explosion
  • Lightning or thunderbolts
  • Water damage
  • Earthquakes and Tsunami
  • Theft (not by tenant)
  • Vandalism
  • Riot
  • Collision
  • Falling trees, branches and objects
  • Damage by animals
  • Storm, rain and floods
  • Accidental glass breakage

Product features:

Peace of mind, it’s a valuable thing. And it’s exactly what you get with Australian Unity landlord insurance. If your property is damaged or destroyed, help is not far away with:

  • Cover for events from accidents to theft
  • A range of ways to save
  • The option to cover defaults on rent
  • Quick & easy claims
Download PDS
Legal liability
Building safeguard benefit
Environmental upgrade
Burning out of electrical motors (fusion cover)
Cover for loss of rent should your tenants be unable to live in the home as a result of damage caused by a defined event
Essential temporary repairs
Towing costs following loss or damage
Essential temporary repairs
Cover for rent default
Optional extra
Cover for theft and/or vandalism by tenants
Optional extra

Competitive, convenient cover backed by QBE

We know insurance is the last thing anyone wants to think about. That’s why we do everything we can to make things easy. You can apply online or by phone. There are even flexible payment options including fortnightly, monthly, or annual direct debit or credit card payments (excluding Diners Club).

If an insured event occurs, we make claiming easy too. Australian Unity Landlord Insurance policies are underwritten by QBE Insurance (Australia) Ltd, one of Australia’s leading insurers. You get QBE's experience, security and strength – as well as its prompt, efficient and friendly claims service.

Important information

Getting the right cover is important. That’s why we’ve put all the extra information you need in one, easy to use place.

When determining your sum insured you should carefully consider the cost to remove debris and rebuild your property at today’s prices. To make things easy for you, QBE provides a useful Home Contents Calculator and a Home Building Calculator to help you determine your sum insured and you can contact us for assistance on 1800 171 889.

If you need to make a claim we won't make you wade through paperwork. QBE has a 24-hour emergency claims number. In most cases, you need just provide details over the phone. To make a claim, call 1300 734 729.

An excess may apply to a claim you make under your policy. The amount of the excess is shown on your Certificate of Insurance. This excess will apply to each event that results in a claim.

It’s important you read the relevant Financial Services Guide before acting on any advice or taking out insurance through us. You can download the FSG here.

There are various ways to enjoy discounts on your premium when you take out insurance through Australian Unity. See the PDS for terms and conditions.

Security discounts

The more secure your property is – through deadlocks, window locks, and either local or monitored alarms – the less you may have to pay.

Select your excess

Your excess is the initial amount you may have to pay yourself in respect of each event if you make a claim. To make life easier, you can choose your level of excess at the time of applying for cover. The higher the excess you choose, the lower the premium you’ll pay.

No claims bonus

A range of bonuses are available that reward you for not making a claim. Terms and conditions apply. To find out if you’re eligible, call us on 1800 171 889.

Seniors discount

Named policyholders over 50 years old are entitled to the over 50s discount.

Retirees' discount

If you are retired and no longer working more than 20 hours a week your premium will reflect the lower-risk nature of your circumstances.

Multi-policy discount#

If you hold one of our QBE-backed policies, you’ll receive a discount on each additional QBE Insurance policy you take out through us.

#Multi-policy discount is available on your first policy after renewal and is available for Home, Landlord and Motor vehicle policies that you purchase through Australian Unity.

Terms, conditions and acceptance criteria apply. Applicable cover limits and exclusions are specified in the combined PDS and policy wording.

Cover is subject to acceptance and terms and conditions apply.

Australian Unity Landlord insurance products are issued by QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239545). The promoter of Australian Unity Landlord Insurance is Australian Unity Personal Financial Services Limited (AUPFS) (ABN 26 098 725 145, AFSL 234459), 114 Albert Road, South Melbourne, VIC 3205), a subsidiary of Australian Unity Limited. It is important that you read our Financial Services Guide before acting on any advice or acquiring any insurance product through AUPFS as agent of the insurer. The AUPFS FSG is available here.

Any statement on this site is general advice only and does not consider your personal situation or objectives. You should read the relevant Product Disclosure Statement (PDS) before deciding to acquire a product. Please review the cover limits, definitions and exclusions as set out in the combined PDS and policy wording to determine whether the product is right for you. This material does not take into account your personal needs, objectives and financial circumstances and you should consider whether the product is appropriate for your needs.