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Landlord Buildings

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Landlord Buildings Insurance

Buildings cover which includes home improvements and permanent fixtures


What types of cover are included in Buildings cover?


  • 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**

  • Building materials (up to $1,000)
  • Burn out of electric motors
  • Demolishing and removing debris
  • Furniture and furnishings
  • Keys and locks (up to $800)
  • Meeting building requirements
  • Mortgage discharge costs
  • Rebuilding fees
  • Removal of tenant’s possessions (up to $10,000)
  • Tax audit (up to $4,000)

** 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 rental properties do we cover?

Can be covered
  • domestic residential properties
Not covered
  • boarding houses or hostels
  • hotels or motels
  • commercial buildings
  • exhibition or display properties
  • commercial farm buildings
  • buildings under construction
  • other types of property listed in the PDS.

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Get a quoteProduct 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


About UsContact UsPartnersFAQsBlogPDS & KFS

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:

ShareCover Enterprises is owned by Insurance Australia Limited and is not related to either Airbnb, Bolt,, 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.