Landlord insurance is a separate product from standard home insurance, built around the specific risks of renting out a property. This page is general information, not a quote.
What it typically covers
Beyond standard building and contents cover for items you own (like a stove or carpet), landlord insurance generally covers things a standard home policy excludes — lost rental income if a property becomes uninhabitable, and tenant-caused malicious damage.
Landlord insurance versus standard home insurance
A standard owner-occupier home policy typically won't pay out for a rental-specific event like a tenant defaulting on rent — insurers generally require rental properties to be covered under a landlord-specific policy, and using the wrong policy type can risk a claim being denied.
What's usually excluded
Most landlord policies still exclude general wear and tear, and some exclude damage during periods the property is vacant beyond a certain number of days — check the PDS for these limits specifically.
Key takeaways
If you're renting out a property, confirm your policy is specifically a landlord policy rather than a standard home policy, and check the lost rental income and malicious damage limits against your own situation.