Look after your investment with Landlord Insurance. Whether you have a unit, house or townhouse, Landlord Insurance through Allianz may cover you for repairs to your investment property and loss of rental income. Both Building and Contents cover are available.

Why Choose Landlord Insurance?

 

Landlord Insurance through Allianz includes a range of features and benefits for your investment property or it’s contents.

  • Up to 30% No Claim Bonus1,2
  • Optional additional cover for rent default and theft by tenant
  • Pay by the month at no extra cost3
  • Dedicated claims lodgement support 24/7
Coverage Snapshot4

Building

Contents

Accidental breakage of glass
Yes Yes
Earthquake
Yes Yes
Explosion
Yes Yes
Fire or smoke
Yes Yes
Impact damage
Yes Yes
Lightning or thunderbolt
Yes Yes
Riot or civil commotion
Yes Yes
Storm, rainwater or run-off
Yes Yes
Theft, burgularly or housebreaking
Yes Yes
Tsunami
Yes Yes
Water of other liquid damage
Yes Yes
Automatic indexation of sums insured
Yes Yes
Contents in the open air at the risk address
- Yes
Continuation of cover when you are selling your buildings
Yes -
Fusion
Yes Yes
Landlord's contents
Up to $10,000 -
Legal liability - cover for injury to other people or their property
Yes -
Mortgage discharge costs
Yes -
Reinstatement of sum insured after a loss
Yes -
Removal of debris, professional rebuilding fees and extra costs of complying with building regulations
Yes -
Rental costs after an insured event
Yes Yes - Available under contents cover only when the building is part of a strata title development
Replacement of locks or cylinders
Yes Yes
Rainwater tanks and solar water heater
Yes -
Optional Cover
Rent default and theft by tenant
Yes -
Flood cover5
Yes Yes
Landlord Workers' Compensation6
Yes Yes
Compare

Building

Accidental breakage of glass
Yes
Earthquake
Yes
Explosion
Yes
Fire or smoke
Yes
Impact damage
Yes
Lightning or thunderbolt
Yes
Riot or civil commotion
Yes
Storm, rainwater or run-off
Yes
Theft, burgularly or housebreaking
Yes
Tsunami
Yes
Water of other liquid damage
Yes
Automatic indexation of sums insured
Yes
Contents in the open air at the risk address
-
Continuation of cover when you are selling your buildings
Yes
Fusion
Yes
Landlord's contents
Up to $10,000
Legal liability - cover for injury to other people or their property
Yes
Mortgage discharge costs
Yes
Reinstatement of sum insured after a loss
Yes
Removal of debris, professional rebuilding fees and extra costs of complying with building regulations
Yes
Rental costs after an insured event
Yes
Replacement of locks or cylinders
Yes
Rainwater tanks and solar water heater
Yes

Contents

Accidental breakage of glass
Yes
Earthquake
Yes
Explosion
Yes
Fire or smoke
Yes
Impact damage
Yes
Lightning or thunderbolt
Yes
Riot or civil commotion
Yes
Storm, rainwater or run-off
Yes
Theft, burgularly or housebreaking
Yes
Tsunami
Yes
Water of other liquid damage
Yes
Automatic indexation of sums insured
Yes
Contents in the open air at the risk address
Yes
Continuation of cover when you are selling your buildings
-
Fusion
Yes
Landlord's contents
-
Legal liability - cover for injury to other people or their property
-
Mortgage discharge costs
-
Reinstatement of sum insured after a loss
-
Removal of debris, professional rebuilding fees and extra costs of complying with building regulations
-
Rental costs after an insured event
Yes - Available under contents cover only when the building is part of a strata title development
Replacement of locks or cylinders
Yes
Rainwater tanks and solar water heater
-
Optional Cover
Compare

Building

Rent default and theft by tenant
Yes
Flood cover5
Yes
Landlord Workers' Compensation6
Yes

Contents

Rent default and theft by tenant
-
Flood cover5
Yes
Landlord Workers' Compensation6
Yes
  • How to Claim

    Call Us

    • Call the Allianz claims lodgement hotline any time on 1300 555 030

     

    Claim Online

    • Simply complete an online claim form and submit at any time.
    • It’ll take about 10 minutes to complete the online claim form and once received, you’ll typically hear back from Allianz within two business days.
    Claim Now
  • The Little Details

    Southern Cross Credit Union, ABN 82 087 650 682 AFSL No 241000 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. If you purchase this insurance, Southern Cross Credit Union will receive a commission that is a percentage of the ‎‎premium. Ask us for more details before we provide you with any services on this product. Details of the commission are set out in our Financial Services Guide. We do not provide advice on this insurance based on any consideration of your objectives, financial position or need. Policy terms, conditions, limits, exclusion and underwriting criteria apply. Before making a decision please consider the relevant Product Disclosure Statement.

    1 NCB Discount – LANDLORD – To qualify for the maximum No Claim Bonus of 30%, landlords must have had no landlord losses in the preceding three years. However landlords who have had up to two claims may still qualify for reduced No Claim Bonus. The up to 30% No Claim Bonus discount is applied to our standard rates including optional Rent Default cover (if selected). This discount does not apply to the flood premium (where applicable)

    2 Minimum premium – If you are eligible for more than one discount, Allianz applies them in a predetermined order. This means the effect of applying any subsequent discount will be reduced. Discounts do not apply to taxes or government charges. No discounts are applied to optional cover; Landlord Workers Compensation (if available and selected). Any discounts/entitlements may be subject to rounding and only apply to extent any minimum premium is not reached. Minimum premiums may apply.

    Pay by the month at no extra cost – Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.

    This information about insurance cover is a summary only. You should consider whether this insurance product is suitable for your circumstances and consider the relevant Product Disclosure Statement (PDS).

    5 Flood Cover is available for all eligible property addresses. Flood Cover is an option on both Building and Contents in hom e and landlords insurance policies. The cover is designed to protect customers against damage to their building and/or contents in the event of a Flood up to the value of their sum insured. Flood cover is subject to eligibility.

    6 Landlord Workers’ Compensation is only available in ACT, TAS and WA.

You were professional to deal with and responded to my queries promptly. Initially I was concerned about changing to a non-bank lender, especially one outside Sydney, but you came recommended so we decided to go with you. I am now very happy that we moved to the Southern Cross Credit Union. We should have done it years ago.
Robyn
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