Landlord Insurance
Renting out your property? Safeguard your investment with coverage against vandalism, fire, theft, and more.
Features and Benefits
✓ Loss of rent during repairs: If your building or contents are covered and your rental property is unlivable after a covered event, CGU will pay up to 12 months of lost rent.1
✓ Furniture & furnishings: Cover for loss or damage to furniture, furnishings and carpet in your property.2
✓ Theft & vandalism: Cover for stolen items and damage to or from theft and vandalism, including stolen keys.3
✓ Food, storm & storm surge: Cover for loss or damage to your home and items caused by flood, rainwater run-off, storm, storm surge and tsunami.4
✓ Fire: Cover for loss and damage caused by fire (including bushfire).
✓ Damage from leaks: Cover for loss or damage to your property caused by liquid leaks5 like from a burst pope or broken heater.
Manage your insurance online
For policies purchased or renewed after 3 March 2025, you can make certain updates online, such as adjusting your excess amounts or optional benefits.
Simply log in to your account to see the available options. For assistance, call CGU at 13 24 81.
For significant changes, like purchasing a new car, please call us directly at 1300 688 825.
Compare Your Cover
This table compares the cover CGU provide under the types of insurance and levels of cover they offer. The amount and extent of cover, including additional benefits and optional benefits, may also vary depending on the cover selected. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement.
Cover |
Building |
Contents |
Cover for loss or damage to Your Rental Property and Contents |
||
| Accidental breakage of glass | y | y |
| Animal damage | y | y |
| Damage by occupant | y | y |
| Deliberate or intentional act | y | y |
| Earthquake | y | y |
| Electrical motor burnout | y | y |
| Escape of water or liquid | y | y |
| Explosion | y | y |
| Fire | y | y |
| Flood or Rainwater Run-off | y | y |
| Impact | y | y |
| Lightning | y | y |
| Riot or civil commotion | y | y |
| Storm | y | y |
| Storm Surge or tsunami | y | y |
| Theft by Tenant | y | y |
| Theft or attempted theft | y | y |
| Cover for liability | y | y |
Additional benefits |
||
| Abandoned possessions | y | y |
| Contents in the open air | x | y |
| Landlord furniture and furnishings – non-Strata scheme | y | x |
| Landlord fixtures – Strata scheme | x | y |
| Landscaping | y | x |
| Locating the cause of damage | y | x |
| Loss of rent | y | y |
| Meeting building regulations | y | x |
| Mortgage discharge costs | y | x |
| Professional and rebuilding fees | y | x |
| Removal of debris | y | y |
| Replacement of keys and locks | y | x |
| Storage costs | x | y |
Optional benefits |
||
| Rent default Optional | Optional | Optional |
| Safety net Optional | Optional | x |
We're here when you need us
Contacting CGU Claims
Our partner CGU is here for you anytime, any day. Call CGU's claims team 24 hours a day, 7 days a week on 13 24 80 to make a claim.
For more information on the claims process, visit CGU's claims website.
Claims Guarantee
CGU offers a lifetime guarantee on the workmanship of authorised repairs to your home.
Payment Options
Choose your cover and pay fortnightly, monthly or quarterly at no extra cost.
Things to note...
We're ready to help you
Important Information
What you need to know:
1 CGU cover either the weekly rent listed on your Certificate of Insurance, or the weekly rent in your rental agreement, whichever is less. A valid rental agreement is required.
2 Under a Landlord ‘Contents’ policy, your furniture and furnishings are covered up to the contents insured amount. Under a Landlord ‘Building’ policy, if your property isn’t under a strata or similar scheme your furniture and furnishings are covered to up to 10% of the buildings insured amount.
3 If theft or vandalism by tenant, CGU will deduct from your claim four times the weekly rent amount shown on your rental agreement, in addition to the standard excess. A valid rental agreement is required. No excess is payable for a claim made only under the ‘Replacement of keys and locks’ additional benefit.
4 CGU don’t cover actions of the sea, such as tides and waves.
5 CGU doesn’t cover damage caused by water leaking or escaping from a shower recess or shower base. CGU doesn't cover loss from erosion or other earth movements. CGU doesn't cover the costs to repair or replace the item that the liquid leaked or escaped from.
Excesses may apply. Refer to your Certificate of Insurance. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement.
The information on this website is general advice only and does not take into account your individual objectives, financial situation or needs ("your personal circumstances"). Before using this advice to decide whether to purchase a product, you should consider your personal circumstances and the relevant Product Disclosure Statement. The Product Disclosure Statement and Target Market Determinations are available from CGU website here.
