Landlord Insurance
Speak to a real person
Call 1300 50 50 99 to speak to a real person who understands you.
Flexible payment options
Pay by the month at no extra cost⁵ and enjoy the flexibility to adjust your excess to reduce your premium⁴.
Supporting older Australians
Your policy helps fund our advocacy work and improve outcomes for older Australians.
Renewal Invitation Guarantee
National Seniors members receive a Renewal Invitation Guarantee.
Save up to 10%
Save up to 10% on your first year's premium when you quote and buy a new Landlord Insurance policy online¹,³
Enjoy up to 30% No Claim Bonus
Receive up to 30% No Claim Bonus depending on your claims history²,³
24/7 online claims
24/7 online claims lodgement or call 1300 55 50 30 to speak to a real person.
Cover for the unexpected
National Seniors Landlord Insurance offers cover for your investment property for out of the ordinary but devastating events such as fire⁶, storm and burglary.
Legal liability
National Seniors Landlord Insurance will cover your legal liability up to $20 million for payment of compensation relating to death, bodily injury or illness, and/or physical loss of or damage to property caused by an accident (or series of accidents). If you have contents cover only, it does not cover any legal liability you may incur as owner of the buildings unless the buildings are defined as a lot.
Making your buildings environmentally friendly
If your buildings are totally destroyed and need to be rebuilt, in addition to your buildings sum insured, National Seniors Landlord Insurance will pay up to $5,000 (after deduction of any government or council rebates) to help you make the new buildings more environmentally friendly.
Contents
National Seniors Landlord Insurance will pay for repair or replacement of contents you own and provide for your tenant’s use as a result of an insured event. If you have buildings cover only, National Seniors Landlord Insurance will pay up to the lesser of $10,000 or the remainder of the sum insured after payment of the buildings claim, for certain landlords contents under this additional benefit.
Rental costs after an insured event
If your buildings are damaged by an insured event and can’t be lived in by your tenant, or access to or use of the buildings is not possible after an insured event National Seniors Landlord Insurance will pay for your loss of rent on the buildings for up to 12 months if you have buildings cover or if your building is part of a strata title development and you have contents cover only.
Rebuilding and professional fees
If you need to rebuild your buildings after total loss or damage, National Seniors Landlord Insurance will help pay the reasonable costs of architects, engineers, surveyors from an insured event and solicitors up to $5,000.
Debris removal
National Seniors Landlord Insurance will cover up to 10% of the building and/or contents sum insured for removing debris from your insured address if your buildings are damaged or destroyed by an insured event.
Contents in the open air at the insured address
National Seniors Insurance will cover contents in the open air (that you own and that you have provided for your tenants use) which have been lost or damaged by an insured event covered by your policy, up to a maximum amount of $1000.
- Fire or smoke (including bushfires and grassfires)⁶
- Theft or burglary
- Storm⁶ and cyclone⁶, rainwater or run off (not including flood which subject to eligibility may be available under the optional Flood cover)
- Lightning
- Water or other liquid damage
- Impact damage
- Earthquake⁷ or tsunami
- Accidental breakage of glass or ceramic items
- Vandalism or malicious damage
- Explosion
- Riots or civil commotion
Rent default & theft by tenant
Option to be covered for loss of rent due to specified rental defaults, up to $10,000 in total for all claims during the period of insurance. Cover for loss or damage to your insured buildings or contents caused by theft, burglary or housebreaking committed by your tenant or invitees of your tenant.
Landlord workers’ compensation cover
Cover for the compensation amount you are liable to pay if you employ a domestic worker and they are injured while working for you at the insured address. Only available in ACT, WA and TAS.
Flood cover
Flood cover may be available as an optional cover to your buildings and/or contents. A 72 hour exclusion period applies from when you first purchase the policy or increase the amount of cover.
Call our friendly customer care team on 1300 50 50 99
(Monday to Friday 8:30am to 6pm AEST)
For full details of the standard terms, conditions, limits and exclusions that apply please read the Product Disclosure Statement (PDS), any applicable supplementary PDS before making a decision to purchase insurance.
The Landlord Buildings and Landlord Contents Key Fact Sheets (KFS) also sets out some information about the cover.
Need more information? Read our Buildings and Contents Insurance Frequently Asked Questions.
Access an existing quote quickly and easily.
Lodge your claim online 24/7 or call 1300 55 50 30 and a consultant will help you.
It’s up to you to decide the sums insured, and the type and level of cover that you want to take out. If you don’t have enough cover, you could end up having to cover some of the costs yourself.
Remember, Allianz will only pay up to the amount of your loss or the sum insured, whichever is the lesser (subject to the policy terms and conditions) - so you should also be careful not to over insure. That's why we've provided these calculators. They work as guides to help you estimate the replacement value of your home buildings and contents.
National Seniors Insurance is part of National Seniors Australia, a leading not-for-profit advocacy organisation giving older people a strong national voice. Our evidence-based advocacy tackles issues such as age discrimination, the Age Pension, cost of living, health costs, and more.
Modest profits from the sale of your policy help us create real change and a better future for all older Australians.
Join National Seniors Australia today and receive discounts on everyday essentials and more
National Seniors Australia members have access to a range of benefits and services – including discounts on Travel, Health and Life Insurance.
As a member, save with discounts, expand your social circle through our branches, receive a yearly subscription to Our Generation digital magazine, and access our Financial Information Consultant by phone.
For only $49.50, anyone can become a member and it only takes minutes to join.
Advocacy campaigns
Find out how we make a difference to the lives of all older Australians through research-led advocacy.
Our research
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Advocacy wins
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National Seniors Australia Ltd ABN 89 050 523 003 AR 282736 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statement available from www.nationalseniorsinsurance.com.au. The relevant Target Market Determination is available by calling 1300 50 50 99. If you purchase this insurance, we will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with services.
Information contained on this website is general information only.
1. Online discount
[Landlord] When you quote and buy a new Landlord Insurance policy online, a discount of up to 10% is applied to your first year's premium including the following optional covers (if selected): Flood and Rent Default and Theft by Tenant. This discount is not applied on renewal.
2. NCB
When you take out a new policy, we calculate your No Claims Bonus based on your home or landlord (as applicable) insurance claims history. To qualify for the maximum No Claim Bonus of 30%, home insurance customers must have had no Building or Contents insurance claims in the preceding five year's. Landlord customers must have had no Landlord insurance claims in the preceding 3 years. However, customers who have had claims may still qualify for a reduced No Claim Bonus.
3. Minimum premiums
If you are eligible for more than one discount, Allianz applies them in a predetermined order. This means any subsequent discount will be applied to the reduced premium amount after applying any prior discounts and the effect of the subsequent discount will be reduced. For example, the aggregate effect of applying two 10% discounts consecutively means that you will not see the full benefit of both these discounts.
Discounts do not apply to taxes or government charges.
Discounts do not apply to optional covers for Domestic Workers Compensation / Landlord Workers Compensation, and may not apply to other optional covers (if available and selected).
Any discounts/entitlements may be subject to rounding and may only apply to the extent that any minimum premium is not reached.
4. Excess reduction
Not available when an additional compulsory excess or imposed excess applies. Minimum Premiums apply.
5. Instalment premiums
If you choose to pay your premium by instalments you do not pay us any more than if you pay your premium in one lump sum annually. The premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding. Note: Your financial institution may apply transaction fees to instalment payments.
6. 72 hour waiting period
We do not provide cover for any loss of or damage to your property caused by cyclone, grassfires and bushfires, during the first 72 hours after you first purchase a policy or increase your cover under an existing policy.
7. Earthquake excess
An additional imposed excess amount of $250 applies for each claim or loss or damage caused by an earthquake or tsunami, or a series pf earthquake or tsunamis, during any period of 48 consecutive hours.