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Whether you need make a claim or to ask a question we're only a phone call away.
For claims
Call13 24 8024 hours, 7 days a week
For general enquiries
Call13 24 81Personal Insurance
8:30am to 5:00pm AEDST, Monday to Friday
Business Insurance
8:00am to 8:00pm AEDST, Monday to Friday
While overseas
Call +61 3 9601 8222Landlord Insurance
Protect your investment property with our broad cover
CGU’s Landlords Residential Property Insurance gives you broad protection and peace of mind for your investment property. Whether your property is damaged by tenants, destroyed by fire, or if you’re owed rent or are liable for medical bills, we can look after you.
Emergency repairs, no hassle
Your investment property may be miles away. No worries. Our local insurance professionals can organise emergency repairs for your property if you can’t get there yourself.
Protection for all property types
Whether you’ve bought a house, townhouse, unit, flat, terrace house or even a unit in a retirement village, we can cover you.
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Accidental breakage
Accidental breakage of fixed glass, basins, sinks, baths and toilets included in loss or damage by a tenant or their visitors.
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Water or liquid damage
We will cover your buildings or contents for loss or damage caused by water or liquid.
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Vandalism or malicious acts
Deliberate or intentional acts, vandalism or a malicious act by your tenants or their visitors.
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Damage caused by your tenant's pets
Up to $2,500 cover per claim for accidental damage or loss caused by your tenant’s pet
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Removal of debris and demolishing costs
Paid in addition to the sum insured (Up to 10% of sum insured)
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Burning out of an electric motor
For motors up to 15 years old and no bigger than 3.7kW (5hp)
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Rebuilding fees (Building only)
If your buildings suffer loss or damage we will cover the costs for architects, surveyors, and legal fees (up to 10 per cent of your buildings sum insured)
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Loss of Rent cover (optional extra)
If your building is uninhabitable, up to 12 months, up to the sum insured chosen.
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Liability cover (optional extra)
Choice of liability cover; $5 million, $10 million, $15 million or $20 million
Compare Landlords Insurance
Are you leaving some big ticket items in the property you’re renting out, like a fridge, couch or TV? Or is it completely empty? At CGU, you can tailor your landlord’s insurance to suit you – with options to add extra cover for liability, rent default or loss of rent.
Need help choosing the right Landlord Insurance?
We’re here to help you when you are choosing which landlord insurance policy is right for you. Our friendly CGU insurance specialists can answer all your questions, or you can turn to an insurance adviser for help in assessing your risk and working out the right cover for your needs.
Forms and downloads
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Landlords Insurance FAQs
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How much is Landlords Insurance?
There are many factors that influence your insurance premium – from your property’s location to the materials used to build it. We may even consider whether you’ve got an alarm system on the property or not.
The best way to get an answer is to complete our quick quote tool. It should only take three minutes.
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How do I make a Landlords Insurance claim?
Making a claim with CGU is quick and hassle-free. You can lodge a claim any time of the day or night by calling 13 24 80. Then, you’ll be introduced to your very own claims specialist, who will support you throughout the claim.
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Do I need Landlords Insurance?
Your investment property is likely to be one of your biggest assets, so it’s important to protect it. Imagine if the property was damaged or destroyed by fire. Without insurance, your investment income would go up in flames, too.
Also be aware that, if you’ve borrowed money to buy your investment property, your financial institution may say that you have to take out insurance on the property.
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Is loss of rent covered?
‘Loss of rent’ is an optional extra you can add on to your policy. If you choose to add ‘loss of rent’, we will cover any loss of rental income that occurs following an event that makes the property uninhabitable.
To see exactly what you’re covered for with ‘loss of rent’, please read the PDS.
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Is the building covered with Landlords Insurance?
As long as you take out the Buildings & Contents OR Buildings option for your landlord’s insurance then, yes, it’s covered. This means that if a storm, fire, landslide, bungled burglary or other event causes damage to your property, we’ll cover it.
To see exactly what the building is covered for, please read the PDS.
Understanding your Landlords Insurance quote
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Whenever you need us, we're right here
CGU Flood Cover
CGU includes automatic flood cover as a policy feature on Home and Landlords Insurance. This ensures that all customers are covered for damage caused by water giving you peace of mind when water damage occurs. With an increase in recent years of severe weather events it protects our customers and enables CGU to offer quick flood claim resolutions.
CGU Flood Cover additional informationNeed to make an insurance claim on your investment property?
Simply call 13 24 80 at any time to kick off your claims process.
Visit the Claims hub