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Landlord Contents

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Landlord Contents Insurance

Landlord insurance for strata properties

Coming soon.

Important notice

Sorry, we are unable to offer this product at this time. We hope to have this product available again very shortly.

To find an alternate insurance provider you can contact the Insurance Council of Australia at or the National Insurance Brokers Association (NIBA) on 02 9964 9400 or visit their website.

If you would like further information, please let us know by contacting us.

What types of cover are included in Contents?

Included**

  • Tenant damage (including guest of tenant)
  • Theft or attempted theft
  • Loss of rent (up to $52,000)
  • Damage by your tenant’s pet
  • Fire
  • Earthquake or tsunami
  • Explosion or landslide
  • Impact
  • Lightning or thunderbolt
  • Broken glass
  • Storm or rainwater
  • Riot or civil commotion
  • Animal damage
  • Water and oil leaks

Additional benefits**

  • Burn out of electric motors
  • Fixtures - strata scheme
  • Keys and locks (up to $800)
  • Removal of Tenant’s possessions (up to $10,000)
  • Tax audit (up to $4,000)

Fixtures – Strata scheme**

If your rental property is under a strata or similar scheme, we will cover you for loss or damage to any:

  • built-in furniture and cupboards
  • stove
  • hot water service
  • shower screen
  • paint or wallpaper
  • temporary wall, floor and ceiling covers;
  • built-in air-conditioner
  • fixed awnings
  • solar panels
  • floating floorboards
  • fixture or structural improvement servicing a particular lot which the body corporate or similar is not required by law to insure or does not insure.

** For a full list of terms, conditions, covered events, exclusions, and limitations please read the PDS.

Important note for Rent Default

We currently do not offer cover for rent default on our Landlord policies. If you choose to take out this landlord policy, you will not have any cover for rent default. We do still cover you for malicious damage by a tenant and theft by a tenant. Please consider this before agreeing to take out this policy.

Is liability cover included?

Yes, up to $20 million. Liability cover provides you cover for your legal liability to pay compensation for death or bodily injury to someone else or loss or damage to someone else’s property arising from an incident taking place in your rental property or site.

What type of contents do we cover?

Cover may include

Items that are not permanently attached or fixed to your rental property that you own or are responsible for as part of a written employment contract or a hire or Lease agreement (except a tenancy agreement) and which:

  • you leave at your rental property for your tenants’ use; and
  • are not excluded in the PDS
Cover does not include**
  • plants, trees or shrubs growing in the ground
  • computers and their equipment
  • clothes and personal effects
  • collections of any kind
  • loose or unset gemstones, gold or silver items, jewellery, watches and money
  • personal handheld electronic devices
  • tools of trade
  • other types of items listed in the PDS

Coming soon

Product Disclosure Statement (PDS) May 2020Ask a question

You can be confident in knowing we're proudly backed by Insurance Australia Group.

IAG is the name behind some of the most trusted and respected insurance brands in the regions in which it operates. Its businesses have helped people recover from natural disasters, accidents and loss since 1851.

IAG's businesses underwrite over $11billion of premium per annum, selling insurance under many leading brands including NRMA Insurance, CGU, SGIO, SGIC, Swann Insurance and WFI (Australia); and NZI, State, AMI and Lumley Insurance (New Zealand).

Standard & Poor's has assigned a 'Very Strong' Insurer Financial Strength Rating of 'AA-' to the Group's core operating subsidiaries.

Backed by IAG

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Short-stay hosts

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ShareCover is issued by Insurance Australia Limited ABN 11 000 016 722 AFS Licence No. 227681 trading as ShareCover Enterprises. When making decisions about a product, always read the Product Disclosure Statement (PDS). For home policies, please also read our Key Fact Sheets (KFS) for buildings and contents which set out some of the events/risks covered and not covered by our home policies and other information you should consider. These sheets do not provide a complete statement of the cover offered, exclusions, conditions and limits that apply under the policies. You should carefully read the Product Disclosure Statement (PDS) and all policy documentation for more details.

To help you make an informed choice on insurance visit the Australian Government website: www.moneysmart.gov.au

ShareCover Enterprises is owned by Insurance Australia Limited and is not related to either Airbnb, Bolt, Booking.com, DiDi, OLA, Shebah, Spacer, Stayz and Uber. References to these platforms on this website do not constitute an endorsement by these platforms of ShareCover nor an endorsement of these platforms by ShareCover; nor IAG being partnered with these platforms.