Cover Options

The level of cover you need will depend on the type of property you own. If your rental property is a house, you will need Building Insurance AND Landlord Insurance.

If your rental property is a unit within a complex and within an Owners Corporation (also known as a Body Corporate or Strata) you need Landlord insurance. The Owners Corporation already have insurance cover for the building. If your property is used for short-stay accommodation or holiday rentals, we offer a limited benefits Contents and Liability Policy. To find out more about the different levels of cover click on the options below.

Landlord insurance covers the rental income that your property earns, public liability, malicious and accidental damage, pet damage and theft of the property contents (carpets, blinds, underlays, light fittings and any other household items owned by you for the tenants use).

Landlord insurance

Weekly Rent
Up To $1,000
Loss of Rent:
Up To:
Excess:
Property Untenantable
52 Weeks
Nil
Tenants Absconding
18 Weeks
Nil
Default of Rent
18 Weeks
Nil
No Vacant Possession
52 Weeks
Nil
Death of Sole Tenant
18 Weeks
Nil
Tenant Release from Leasing Agreement
18 Weeks
Nil
Legal Expense
$7,500
Nil
Prevention of Access
52 Weeks
Nil
Tax Audit – GST
$5,000
Nil
Loss of Rent Due to Accidental Damage
52 Weeks
Nil
Loss of Rent Due to Malicious Damage
52 Weeks
Nil
Murder and Suicide
52 Weeks
Nil
Other Benefits:
Damage Caused by Pets
$70,000
$250 per Event
Accidental Loss or Damage to Contents
$70,000
$250 per Event
Malicious Damage to Contents
$70,000
$250 per Claim
Theft of Contents
$70,000
$250 per Claim
Legal Liabity Cover
$20,000,000
Nil

*Conditions limits and exclusions apply. Please read our policy disclosure documents for more information.

The PIP Advantage

Tools for Landlords

Compare Cover Benefits

Our comparison page outlines the features and benefits of each policy.

Building Sum Calculator

Choosing the right sum-insured for your property and contents is important. We recommend using this sum insured calculator.

Disclosure Documents

In order to make an informed assessment of your risk and understand whether our policy suits your needs, please read our Product Disclosure Statement (PDS) and related documents.

Oscar
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"I definitely recommend Property Insurance Plus. They cover contamination and are also a specialist insurance company. They cover FDV I've found them to be the BEST value for money!"
Christian
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"Very happy with my recent experience with PIP Insurance. I highly recommend Lucy who helped me with the claim process making it seem very easy and straightforward."
Aaron
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"We wanted to extend our appreciation to all involved in the process. Garry was instrumental, helpful and professional. A big thank you to all who helped turn around this difficult situation."

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