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Landlord Insurance

Protection for landlords around Australia. Get a landlord insurance quote online today. Get a Quote

Why choose Landlord insurance? 

Sometimes, tenants aren't quite as careful with your property as you would like them to be. With HSBC Landlord Insurance, you can be covered for your building and/or contents and for added peace of mind also protect your property from malicious damage by your tenants. Having adequate Landlord Insurance can assist in protecting your building, your contents and the income your property generates.

Key features:
 

  • Insurance protection for a range of defined events including: fire or smoke, tsunami, storm, rainwater or run-off.
  • Up to 52 weeks cover for loss of rent after an insured event.
  • Cover for malicious damage by your tenants when you have building cover and/or contents cover.
  • Up to $10,000 worth of landlord contents cover when you take out landlord building cover.
  • A range of optional covers, including theft by a tenant, default on rental payments and other rental loss

Ways to save:

  • Pay by the month at no additional policy fee. 3
  • A 10% discount if your investment property is managed by a licensed property management agent. 1
  • A no claim bonus of up to 30% depending on your claims history. 2

Ways to open:

Online, Branch, Phone

Landlord insurance - key features

Landlord insurance key benefits

Insurance protection for

Building
Insurance

Contents
Insurance

Accidental breakage of glass

Included Included

Earthquake

Included
$250 additional excess

Included
$250 additional excess

Explosion

Included

Included

Fire or smoke

Included

Included

Impact damage

Included

Included

Lightning or thunderbolt

Included

Included

Malicious acts

Included

Included

Riot or civil commotion

Included

Included

Storm, rainwater or run-off

Included

Included

Theft, burglary or house breaking

Included

Included

Tsunami

Included
$250 additional excess

Included
$250 additional excess

Water or other liquid damage

Included

Included

Automatic indexation of sums insured

Included

Included

Contents in open air at the risk address

Not included

Included
Up to $200

Continuation of cover when you are selling your building

Included

Not included

Fusion

Included

Included

Landlord contents4

Included

Not included

Legal liability - cover for injury to other people or their property 5

Included
Up to $10 million

Included

Mortgage discharge costs

Included
Up to $2,000

Not included

Reinstatement of sum insured after a loss

Included

Included

Removal of debris, professional rebuilding fees and extra costs of complying with building regulations

Included

Included

Rental costs after an insurance event

Included
Up to 12 months

Not included

Replacement of locks or cylinders

Included
Up to $500

Included
Up to $500

Rainwater tanks and solar water heater

Included
Up to $50006

Not included

Optional additional insurance cover

Liability for rent default & theft by tenant

Rent default

  • Lesser of 15 weeks rent or $10,000 or until payment of rent recommences
  • Departure of the tenant from the building without notice – lesser of 6 weeks rent or $10,000 or until rent payments recommence
  • Death of a sole tenant – lesser of 6 weeks rent or $10,000, or until another tenant takes up residence in the building
  • Tenant hardship – lesser of 6 weeks rent or $10,000, or until another tenant takes up residence in the building

Theft by tenant

  • Covered up to the building and/or contents sum insured
     

Strata title home loan protection7

Landlord Workers' Compensation8

Get a quote for Landlord Insurance

Call us today

Call 1300 308 008 from Monday to Friday, 8am to 8pm (AEST)

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* Any online discounts offered are applied to our standard rates (excluding optional covers) and are for the first years premium only (unless stated otherwise). From time to time, promotional or other discounts may be available for customers who apply for insurance via our Contact Centre. Minimum premiums may apply - Any discounts/entitlements only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. Discounts are subject to change without notice. Discounts may not be applied to any flood component of the premium (if applicable). Landlord Insurance discounts - Tenant default cover option for 15 weeks rent to a maximum of $10,000.

^ Maximum payment for contents will be the lesser of $10,000 or up to the remainder of the sum insured after payment of your buildings claim.

1 Minimum premiums may apply. Any discounts/entitlements only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. Discounts may not be applied to any flood component of the premium (if applicable).

2 To qualify for the maximum No Claim Bonus of 30%, customers must have had no landlord insurance in the preceding five years. However customers who have had up to two claims may still qualify for reduced No Claim Bonus. To decide if this product is right for you, please carefully read the Product Disclosure Statement.

3 Premiums payable by instalments may be subject to minor adjustments (upward or downwards) due to rounding and financial institution transaction fee may apply.

These features are subject to terms, conditions and exclusions. Please refer to the relevant Product Disclosure Statement (PDS) for details of the cover provided for each feature.

4 Restricted amount (up to $10,000) if only building cover is purchased.

5 Legal Liability only available when contents has been taken on a strata title property.

6 This amount is after any applicable deductions under government and/or council rebate schemes.

7 This cover only applies if the building is part of a strata title development.

8 Landlord Workers' Compensation is only available in ACT, TAS and WA.

Landlord insurance is issued by and underwritten by Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850 AFSL 234708. HSBC Bank Australia Limited (HSBC) ABN 48 006 434 162 AFSL 232595 acts as an agent for Allianz in providing its arranging and referral services and may provide general advice in relation to the products mentioned. We do not take into account what you currently have, want or need for your financial future. You should consider these matters and read the Product Disclosure Statement (PDS) before you make a decision. A copy of the PDS is available at www.hsbc.com.au, by visiting an HSBC branch or calling 1300 308 008. HSBC receives commission, which is a percentage of the premium, details can be provided on request. HSBC does not guarantee or accept liability for any products offered by Allianz.