Landlord Insurance
Landlord Insurance
Landlord Insurance protects property owners who rent out residential or commercial properties against risks such as tenant damage, rent default, fire, theft, and storm damage. It combines building and contents cover with optional landlord-specific protections to help secure your investment.
Whether you own a single rental property, multiple units, or a commercial tenancy, landlord insurance helps safeguard your property’s value and income stream. Policies can cover repairs after damage, lost rent during repairs, and liability claims related to your rental property.
At Angelic Insurance, we help property investors compare policies from leading Australian insurers. Our authorised brokers provide general advice to assist landlords in finding cover that matches their portfolio, tenant risk, and location.
How It Works
Getting Landlord Insurance through Angelic Insurance is fast and straightforward. We help you protect your rental property and income in just a few steps.
Tell us about your property
Share your property type, location, tenancy details, and construction so we can assess the risks and recommend suitable cover.
We compare insurers for you
We review multiple insurers’ policies, focusing on tenant risk, loss of rent cover, property value, and liability protection.
Choose your level of protection
You decide whether to insure buildings, contents, or both. You can also add cover for rent default, malicious damage, or legal expenses.
Policy setup and documentation
Once approved, we issue your Certificate of Currency and final documents within 24–48 hours so you can comply with lease or bank terms.
Ongoing review and support
We help with updates, renewals, and claims ensuring your policy evolves with your portfolio and occupancy changes.
Why You Need It?
Owning a rental property exposes you to more risks than simply owning a home. Landlord insurance helps you avoid costly disruptions and protect your return on investment.
Protects against tenant damage
Malicious or accidental damage caused by tenants can lead to costly repairs. This cover helps pay for cleaning, restoration, or replacement.
Covers loss of rent
If your property becomes uninhabitable after an insured event, loss of rent cover helps maintain your income while repairs are made.
Legal liability included
Covers you if a tenant or visitor is injured due to a defect on the property for which you're found legally liable.
Meets mortgage or lease terms
Lenders and managing agents often require landlords to maintain appropriate building and liability insurance.
Suits residential or commercial
We can arrange cover for short-term rentals, residential leases, or retail and commercial tenancies.
How Angelic Insurance Can Help?
We understand the complexities of rental properties and help landlords find cost-effective cover without gaps or unnecessary extras.
Tailored policy comparisons
We compare landlord policies that suit your property type, location, lease structure, and risk profile.
Assistance with claims
If your property suffers damage or a tenant defaults, we help manage your claim and liaise with the insurer for a smooth resolution.
Flexible options for all landlords
Whether you rent out a house, unit, or commercial premises, we offer general advice that fits your rental structure.
Quick documentation
Need a Certificate of Currency for a lease or bank? We provide fast turnaround so you can meet requirements on time.
Portfolio support
Own multiple properties? We help review and streamline your insurance, keeping you covered and organised.
Challenges Businesses Face Without Landlord Insurance
Uninsured landlords often face high repair costs, lost income, or legal exposure following an incident. Here’s what can go wrong without cover.
Tenant causes major damage
Vandalism, neglect, or unapproved alterations can require expensive remediation that landlords must pay for themselves.
Vacant period after a disaster
If a storm or fire makes the property uninhabitable, lost rental income can lead to cash flow stress without appropriate cover.
Legal claims from injuries
If someone is injured due to a faulty staircase or broken fitting, landlords may face liability claims without cover.
Delayed recovery
Without insurance support, you may be unable to afford repairs quickly, resulting in extended vacancy and income loss.
Non-compliance with finance terms
Most banks require valid building insurance for investment properties. Lack of cover can jeopardise loan conditions.
Case Studies: How Landlord Insurance Helped Real Businesses
Case 1 – Water damage from upstairs tenant
A Brisbane duplex owner suffered ceiling and flooring damage when a tenant’s bath overflowed. Repairs cost $11,200, covered by their landlord insurance policy.
Case 2 – Fire at investment apartment
A kitchen fire in a Sydney rental apartment caused $68,000 in damage. Insurance covered repairs and six weeks’ lost rent during refurbishment.
Case 3 – Commercial tenant absconds
A retail tenant in Melbourne defaulted on rent and left behind damage. The policy covered $9,500 in unpaid rent and restoration of the premises.
Frequently Asked Questions
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