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Landlord’s insurance WA
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What is landlord’s insurance?
Cover your investment property, other structures at your site used for domestic purposes and if selected, cover contents you provide to tenants against loss or damage from unexpected events such as fire, flood, storm, theft, malicious damage up to the sum insured.
The events we cover
- Storm
- Flood
- Fire
- Explosion
- Malicious damage
- Lightning
- Theft or any attempted theft
Some exclusions apply.
Try our contents or building calculator to estimate the cost of replacement.
Benefits of landlord’s insurance cover
Protect your building for loss, destruction or damage for an insured event.
Cover for your building, garage, shed, fence
Our landlord’s building insurance will cover your building and other structures at your site used for domestic purposes against events such as fire, flood, storm, theft, malicious damage up to the sum insured.
Accidental glass breakage
Cover for accidental glass breakage to your building, including glass in a lighting fixture.
Legal liability cover
Cover for damage to other people or their property whilst on your property up to $20,000,000 inclusive of legal costs.
Rent default cover
Cover for loss of rent where a tenant defaults, after 4 weeks, for up to 12 weeks rent to a maximum of $3,000.
Cover for theft or malicious damage
We'll cover your building for theft or malicious damage caused by your tenant or their guest.
Burnout of domestic electric motors
We'll cover the lesser of the cost to repair/rewind or replace a domestic electric motor when it's damaged by an electric current. For example, if your aircon unit is damaged as the result of an electric current, we'll cover the cost to repair or replace the motor.
Cover for landlord's fixtures and fittings
Cover for items like carpets, blinds and light fittings, fixed to your property. To cover partially furnished or fully furnished properties, consider getting landlord’s contents cover as well.
Demolition and removal of debris
We'll cover the cost of demolition and removal of debris if your house has been damaged as a result of an insured event we have agreed to cover.
What does landlord's contents insurance cover?
Add this cover during the quote process if you have a part or fully furnished property.
Landlord's contents
If your property is partly or fully furnished, add landlord’s contents insurance to cover your furniture and domestic appliances that are not built in, for example floor rugs and dining tables.
External locks
In the event of theft, we'll cover the cost for re-coding or re-keying door and window locks for your building up to $800.
How much does landlord's insurance cost?
Find out how much landlord’s insurance will cost by using our building and contents insurance calculators to estimate the replacement cost for your house and belongings.
Building calculator
Answer some questions about your building to get an estimate of what it would cost you to replace it.
Contents calculator
Get an estimate for the cost of replacing the contents of your home. List actual items for a more accurate estimate.
Landlord’s insurance FAQs
Do you have questions about your landlord insurance? Check out our FAQs for more information.
Do I need landlord’s insurance?
Landlord’s insurance is the only type of cover offered by RAC that protects against loss of rent where a tenant defaults on rent (after 4 weeks, for up to 12 weeks to a maximum of $3,000) and malicious damage caused by your tenant. You should weigh up how important these events are to you and ask yourself:
- Can I afford to not receive rent in this property should my tenant stop paying?
- Can I afford to lose rent should my property become uninhabitable?
- What would I do if the tenant damages the property?
You should always check the PDS & TMD to see if this product is right for you.
What is the difference between home & contents insurance and landlord’s insurance?
Landlord’s insurance, like our home & contents insurance, covers you for damage caused by storm, floods, fire and theft up to the sum insured. In addition, landlord’s insurance covers malicious damage caused by your tenant, loss of rent when your tenant defaults on their payment (after 4 weeks, for up to 12 weeks rent to a maximum of $3,000) and loss of rent for up to 12 months if the building becomes uninhabitable because of an insured event.
Do I need building insurance if I have landlord’s insurance?
That depends on the cover options you have selected under your landlord’s insurance policy. Building insurance typically covers residential buildings that are occupied by the owner. Landlord’s insurance can cover residential buildings that you, as the owner, have tenants living in. If you have an investment property, you can choose to take out our landlord’s insurance policy, as it can cover your building, or your building and landlord’s fixtures and fittings. You should always check the PDS & TMD to see if this product is right for you.
How to claim landlord’s insurance?
Should you need to lodge a claim under your Landlord’s Insurance policy you can either lodge a claim online or call our friendly claims team on 13 17 03. You should do this as soon as possible after the damage or loss has occurred. Make sure you have all the information required to make your claim such as your policy details, details of the event which caused the loss or damage, details of your building or contents which were lost or damaged.
Does home insurance cover tenant damage?
Only our landlord’s insurance policy will cover malicious damage to your property caused by a tenant or a guest of your tenant up to the combined maximum of $10,000 ^, during that tenant’s rental period. Malicious damage does not cover accidental loss or damage, wear and tear or damage from carelessness or neglect. This also excludes damage caused by pets or animals.
Does landlord’s insurance cover tenants’ belongings?
Landlord’s insurance does not cover the contents owned by your tenants, your tenants may wish to take out their own insurance, such as our basic contents insurance to cover to their personal belongings.
What is not covered by landlord’s insurance?
Certain types of dwellings are not covered under our landlord’s insurance policy, this includes hotels, motels or boarding houses, caravans (you may be eligible for caravan insurance instead) or mobile homes, display homes or more than one home building under the same strata plan. Check the PDS to find out the full list of exclusions.
RAC members save more
As a member you get access to great discounts & offers
What's included in these covers?
Before you decide, please read our policy documents.
Insurance member support
Support for family violence, financial hardship, accessibility and specialist services.
^ We will cover theft or malicious damage by your tenant (or your tenant’s guest/s) up to a combined maximum of $10,000, less the deduction of bond moneys, where applicable, the malicious damage/theft excess and any other applicable excesses shown on your policy schedule.
Any applicable insurance discounts may be subject to minimum premiums. Discounts only apply until a minimum premium is reached. Roadside Assistance and Rewards members receive a discount on insurance once they’ve been a member for at least five consecutive years. Members who only have insurance don’t get membership discounts on our insurance cover. Only individuals can become members of the RAC. Membership does not apply to associations, entities, or superannuation funds. For more information see the policy PED Guide and PDS.
This product is issued by RAC Insurance Pty Limited. Our products are developed and distributed for appropriate target markets in accordance with our Policy. Benefits are subject to policy conditions and PED Guide. Before you make a decision, please check the PDS and TMD to see if the policy is right for you.
