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Building cover, contents cover or both?

Choosing cover for your investment property is easy. What kind of property do you own?

Unfurnished house

If your rental property is a house and it’s unfurnished, you may just need Building cover, which includes cover for light fittings, fixed carpets and window coverings. Plus you can add optional Landlord Extras to cover tenants who stop paying rent or maliciously damage your property.

Find out more about Building only insurance.

Furnished house

No doubt you’ve put a lot into buying and furnishing your investment property, so you’ll want to protect it inside and out - with Building cover for the house itself and Contents cover. Plus you can add optional Landlord Extras to cover tenants who stop paying rent or maliciously damage your property.

Find out more about Building and contents insurance for landlords.

Unfurnished strata unit or townhouse

If your rental property is part of a strata, group or community title plan and the Building cover is taken care of, you may just need cover for the basics plus tenants. Choose Contents cover to cover fixtures, fittings and structural improvements eg curtains, carpets and a renovated kitchen. Plus you can add optional Landlord Extras to cover tenants who stop paying rent or maliciously damage your property.

Find out more about Contents only insurance.

Furnished strata unit or townhouse

If your rental property is part of a strata, group or community title plan and the Building cover is taken care of, Contents cover and optional Landlord Extras may be all you need. As well as the furnishings, it includes cover for fixtures, fittings and structural improvements eg curtains, carpets and a renovated kitchen.

Find out more about Contents only insurance.

Things you should know

View the Home and Contents Insurance Key Fact Sheets.

*Receive a 10% discount on your annual premiums when you combine both your building and contents at the same address under one policy. Applied automatically at checkout.

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 (PDF 234KB) to see if this insurance is right for you.