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Insurance Details
Landlord Insurance is designed to protect residential property owners against financial loss arising from renting out a property.
It provides financial protection for the building (where applicable), landlord-owned contents, rental income, and legal liability, helping landlords manage the risks associated with tenants, property damage, and rental default.
Whether you own a single investment property or a portfolio of rental properties, Landlord Insurance is a fundamental protection for Australian residential property investors.
Cover Sections / Benefits Covered
Q&A – Common Questions
Landlord Insurance is specifically designed for rental properties and includes cover for tenant-related risks such as rent default and malicious damage, which are not typically covered under standard home insurance.
Loss of rent following insured damage is commonly included, while rent default cover is subject to policy terms and conditions.
Landlord policies differ significantly in tenant damage definitions, waiting periods, and sub-limits.
As your broker, FRS helps you:
• Clarify landlord vs tenant vs strata responsibilities
• Structure appropriate loss of rent and default cover
• Compare policy wordings beyond premium
• Assist with claims involving tenants and property managers
Landlord Insurance is not just about protecting property—it is about protecting rental income and investment stability.