Landlord insurance

We are here to help with two levels of cover to protect the investment property you've worked hard for. Save up to 25% when you quote and buy online.
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Why choose Westpac Landlord Insurance?

  • Choose from 2 cover levels of cover
  • Add optional Landlord extras cover for rent default, malicious damage or theft cause by tenants 2
  • Broad cover for storm, flood, fire, theft and more
  • Pay by the month with no extra fee
  • Save 15% when you quote and buy online, or combine Landlord Building and Contents cover and save up to 25%

What type of insurance are you after?

Choose from 2 levels of Building cover

Below is a summary of each cover level. For further details of the terms and conditions, limits and exclusions, read the Product Disclosure Statement (PDF 349KB).

  Essential Care Quality Care
$20m legal liability cover    
Loss of rent   Up to 10% of the sum insured or for up to 12 months whichever is less
Sum insured safety net Up to 10% of the sum insured Up to 20% of the sum insured
Storms, lightning, flood Storm cover excludes damage to gates, fences and freestanding walls
  
Fire, explosion, earthquake

Fire cover excludes damage caused by smoke where there was no flame at the site

 
Landlord fixtures and fittings   Up to $20,000
Accidental breakage of glass    
Malicious acts, riot or civil commotion    
Rainwater tanks and solar heating

 

Up to $3,000
Electrical motor burnout    
Escape of liquid Excludes liquid escaping from a shower recess  
Emergency repairs and protection    
Emergency storage of contents   Up to 10% of the sum insured or for up to 12 months whichever is less
Mortage discharge    
Locks and keys   Up to $1,000

Optional Landlord Extras

Add optional Landlord Extras for cover against certain events caused by tenants such as theft, malicious damage or defaulting on rent payments.2

  • Malicious acts or theft by tenants
  • Loss of rent due to default by tenants (but no for casually let properties)
  • Legal expenses due to rent default
  • Denial of access to tenant by Government authority
  • Damage caused by pets

 

Choose from 2 levels of Contents cover

Below is a summary of each cover level. For further details of the terms and conditions, limits and exclusions, read the Product Disclosure Statement (PDF 349KB).

  Essential Care Quality Care
$20m legal liability cover    
Loss of rent   Up to 10% of the sum insured or for up to 12 months whichever is less
Sum insured safety net Up to 5% of the sum insured Up to 10% of the sum insured
Storms, lightning, flood Storm cover excludes damage to gates, fences and freestanding walls
  
Fire, explosion, earthquake

Fire cover excludes damage caused by smoke where there was no flame at the site

 
Landlord fixtures and fittings   Up to $20,000
Accidental breakage of glass    
Malicious acts, riot or civil commotion    
Theft Covered if the theft occurs from inside a fully enclosed and locked building at the site provided there's evidence of forced entry Covered if the theft occurs from inside a fully enclosed and lockable building at the site and up to $2,000 in the open air at the site
Rainwater tanks and solar heating

 

Up to $3,000
Electrical motor burnout    
Escape of liquid Excludes liquid escaping from a shower recess  
Emergency repairs and protection    
Emergency storage of contents   Up to 10% of the sum insured or for up to 12 months whichever is less
Mortage discharge    
Locks and keys   Up to $1,000

Optional Landlord Extras

Add optional Landlord Extras for cover against certain events caused by tenants such as theft, malicious damage or defaulting on rent payments.2

  • Malicious acts or theft by tenants
  • Loss of rent due to default by tenants (but no for casually let properties)
  • Legal expenses due to rent default
  • Denial of access to tenant by Government authority
  • Damage caused by pets

 

Choose from 2 levels of Building and Contents cover

Below is a summary of each cover level. For further details of the terms and conditions, limits and exclusions, read the Product Disclosure Statement (PDF 349KB).

  Essential Care Quality Care
$20m legal liability cover    
Loss of rent   Up to 10% of the sum insured or for up to 12 months whichever is less
Sum insured safety net Contents: Up to 5% of the sum insured
Building: Up to 10% of the sum insured		 Contents: Up to 10% of the sum insured
Building: Up to 20% of the sum insured
Storms, lightning, flood Storm cover excludes damage to gates, fences and freestanding walls
  
Fire, explosion, earthquake

Fire cover excludes damage caused by smoke where there was no flame at the site

 
Landlord fixtures and fittings   Up to $20,000
Accidental breakage of glass    
Malicious acts, riot or civil commotion    
Theft Covered if the theft occurs from inside a fully enclosed and locked building at the site provided there's evidence of forced entry Covered if the theft occurs from inside a fully enclosed and lockable building at the site and up to $2,000 in the open air at the site
Rainwater tanks and solar heating

 

Up to $3,000
Electrical motor burnout    
Escape of liquid Excludes liquid escaping from a shower recess  
Emergency repairs and protection    
Emergency storage of contents   Up to 10% of the sum insured or for up to 12 months whichever is less
Mortage discharge    
Locks and keys   Up to $1,000

Optional Landlord Extras

Add optional Landlord Extras for cover against certain events caused by tenants such as theft, malicious damage or defaulting on rent payments.2

  • Malicious acts or theft by tenants
  • Loss of rent due to default by tenants (but no for casually let properties)
  • Legal expenses due to rent default
  • Denial of access to tenant by Government authority
  • Damage caused by pets

 

Save up to 25% when you quote and buy online

2018 Mozo Experts Choice Award Winner

Westpac Landlord Insurance has been awarded Mozo Experts Choice award for Exceptional Quality and Exceptional Value.

Canstar Outstanding Value, Contents Insurance, 2018
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Save up to 25% when you quote and buy Landlord Insurance online

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1300 650 255

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9am - 2pm, Sat
(Sydney time)

Things you should know

Cover is subject to your application for insurance being accepted.

1Quote and buy online and save 15% off your annual premium for the first year with promotional code COVER. Plus, save 10% when you combine building and contents at the same address under the one policy.

2A Landlord Extras claim will only be paid if you’re able to provide certain documents and evidence such as:
•    A written rental agreement
•    A documented booking confirmation (for casually-let properties)
•    Documented property inspection reports.
The rental agreement should state the term of the lease, the amount of rent and bond payable by the tenant/s.

 

Westpac Retail and Business Banking Financial Services Guide, Credit Guide and Privacy Statement (PDF 102KB) (PDF 85KB)

Landlord Insurance Product Disclosure Statement and Supplementary Product Disclosure Statement (applicable to policies initially issued on or after 30 June 2018 and current policies last renewed on or after 30 July 2018) (PDF 349KB)

Landlord Insurance Product Disclosure Statement (applicable to current policies last renewed before 30 July 2018) (PDF 230KB)

Landlord Insurance is issued by Westpac General Insurance Limited ABN 99 003 719 319 (except workers compensation cover where applicable). Westpac Banking Corporation ABN 33 007 457 141 distributes the insurance, but does not guarantee the insurance. This information does not take into account your personal circumstances. Read the Product Disclosure Statement to see if this insurance is right for you.

Important Update for Landlord Insurance (PDF 288KB)