Specialist Landlord Protection Insurance: Tailored Coverage for Your Investment Property
At Network Insurance House, we offer comprehensive Landlord's Protection Insurance that covers the full spectrum of investment rentals, from traditional long-term residential leases to high-volume short-stay holiday accommodation (like serviced apartments and Mantra properties). Our strength lies in providing affordable, core protection for your investment, ensuring you have cover designed for your specific rental strategy.
We serve a wide range of property investors, including:
- Owners of traditional long-term rentals.
- Mantra property owners and holiday short-stay apartment landlords.
- Owners of strata complexes (for both individual units and building cover).
Why you need specialist landlord protection
Landlord coverage
- Contents: Covers your furnishings and internal fittings against fire, storm, and accidental damage by tenants.
- Theft & Malicious Damage: Essential cover against theft and deliberate damage to your property by tenants or guests.
- Loss of Rent: Protects your income stream if the property becomes uninhabitable due to an insured event, or due to tenant-related issues (see Long-Term below).
- Legal Liability: Covers you against claims if a tenant or guest is injured on your property.
Additional & specialist coverage options
We offer flexible options to ensure complete protection for various investment types:
- Buildings Insurance: Comprehensive coverage for the dwelling itself against perils like fire, storm, and flood (where available).
- Strata Complex Coverage: Options available for both the individual unit owner and full strata building insurance where required.
- Short-Stay Specific Cover: Tailored liability and contents protection designed for the high-turnover environment of holiday letting and serviced apartments.
- Long-Term Landlord Protection: Includes necessary cover for tenant default/rent default, Accidental damage by tenant, and costs related to legal eviction and removal of tenants' property.
How we support you: Investment-focused service
We provide specialised support to ensure your policy protects your investment and maximizes your return:
- Tailored solutions: We structure your policy to correctly insure the property's risk profile, be it a residential lease or commercial holiday letting, ensuring your claim is paid.
- Experienced advisors: Our team understands the nuances of rental agreements, body corporate rules, and property management risks.
- Payment flexibility: Flexible payment options are available to help you manage cash flow.
What happens if I have a claim?
A claim should be a smooth process that protects your income. We ensure speed and efficiency:
- Dedicated advocacy: Our specialized claims management team acts as your advocate to handle complexity and ensure a fair, efficient outcome.
- Prompt resolution: We focus on minimizing delays, ensuring speedy assessment and payment to help you resolve the issue and get a paying tenant back in quickly.
Ready for your quote? Contact our specialists
Get the comprehensive, tailored protection your investment property needs, whether it's a long-term rental or a short-stay holiday unit.
Leave your contact details today, and one of our dedicated Insurance Experts will connect with you to discuss your specific requirements and design the optimal proposal for your investment.
Contact us for a quote now
P: 1300 655 037 | E: landlords@nih.com.auFrequently Asked Questions
- Do I need Landlord Insurance if I already have home insurance?
Yes. Standard Home Insurance usually doesn’t cover risks specific to rental properties, such as tenant-related damage, rent default, or legal liability arising from tenants. Landlord Insurance is designed specifically for property investors.
- Does Landlord Insurance cover unpaid rent?
Yes, many policies offer optional cover for rent default if a tenant vacates early, leaves without notice, or is legally evicted. Some policies also cover loss of rent while the property is being repaired after an insured event.
- Are contents like carpets and blinds covered?
Yes. Landlord Insurance can include optional cover for contents items such as curtains, blinds, carpets, and fixtures that belong to the landlord but are used by the tenant.
- Does Landlord Insurance cover malicious damage by tenants?
Yes. Malicious damage caused by tenants can be included as an optional cover under many policies.
- What liability protection does Landlord Insurance provide?
Landlord Insurance typically includes legal liability cover if someone is injured or their property is damaged while at your rental property.
