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All covers include

Damage from flood, storms1, earthquake, lightning, fire1, impact, explosion

Up to $20 million in legal liability for compensation for injuries to visitors and damage to their property 

Automatic safety net in case repair or replacement costs are higher than expected2

Theft3, and malicious acts and unrest

Emergency repairs and protection


Choose from 2 levels of cover

Essential Care
 

Safety Net 

Up to 10% of the sum insured

Building laws and regulations

Up to 10% of the sum insured to cover costs incurred to comply with specified laws and regulations following the destruction or partial destruction of your building

Demolition and removal of debris

Up to 10% of the sum insured

 

 

 

 

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Quality Care
 

Safety Net  

Up to 20% of the sum insured

Building laws and regulations

Up to 10% of the sum insured to cover costs incurred to comply with specified laws and regulations following the destruction or partial destruction of your building

Demolition and removal of debris

Up to 10% of the sum insured

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Cover Limits
  • Landlord fixtures and fittings: Up to $20,000
  • Replacement of locks and keys: Up to $1,000

    Other limits and exclusions apply.

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Extra Benefits

    ✓ Accidental breakage of glass

    ✓ Electrical motor burnout

    Limits and exclusions apply.

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In general, damage or loss caused by wear and tear or failing to maintain your property are not covered under Landlord Building and Contents Insurance. 
Take a look at the Landlord Insurance Product Disclosure Statement (PDF 559KB) for full terms and conditions, including limits and exclusions.

Landlord Extras customers
Have you lost rental income as your tenant has been financially impacted by COVID-19 and cannot pay their rent? You may be able to claim under your Optional Landlord Extras cover, see the Landlord Extras COVID-19 claims FAQs to learn more.

Rent default cover
We’re not currently offering Landlord Extras cover, which includes cover for loss of rent due to default by tenants, to new or existing Landlord Insurance customers. There may be other insurance options available to suit your requirements; please refer to the Insurance Council of Australia for a list of alternative providers.

 

Optional Landlord Extras4

Landlord Extras provides cover for the following events, such as:
  • Malicious acts or theft by tenants
  • Loss of rent due to default by tenants (but not for casually let properties). 
    Please note, Landlord Extras may not provide cover if your tenant is unable to pay their rent due to COVID-19 circumstances.
  • Damage caused by pets 


Important information
We’re not currently offering Landlord Extras cover to new or existing Landlord Insurance customers. 

Important Information

Before making a decision, please read these documents to ensure you’re aware of all fees and charges.

Building Calculator

It's up to you to determine how much it would cost to replace your property and it can be complex to accurately calculate these replacement costs. Use our Building Calculator to estimate your replacement costs at today’s prices.  

Details on the benefits paid for your building sum insured are available in the PDS. Calculators on our website are intended as a guide only. For a more accurate rebuilding cost, consider obtaining a professional valuation from a licensed builder or professional valuer.

Calculate now

Offer & Benefits

Save 15% online*

Quote and buy online to save 15% off your annual premium for the first year with promotional code COVER.*

Payment Flexibility

You can pay for your cover monthly or yearly - whatever suits you.^

Simple claims process

24/7 claims support available online and over the phone, we're there for you when you need us. One of our dedicated Australian claims managers will call you back if we have further questions.  

 
The Detail

Cover is subject to your application for insurance being accepted.

Product Disclosure Statements (PDS)

Landlord Product Disclosure Statement (PDF 559KB) (applicable to policies issued on or after the 20 August 2021 or renewed on or after the 5 October 2021)

For the standard terms, conditions and exclusions about our Home & Landlord Insurance, please refer to the relevant Product Disclosure Statement (PDS) and any supplementary PDS (if applicable). To see some of the events covered and not covered, please refer to our Key Fact Sheets (KFS).

^ Premiums payable by instalments may be subject to minor adjustments due to rounding, and financial institution transaction fees may apply.

* Quote and buy online to save 15% off your annual premium for the first year with promotional code COVER.

1 Under Essential cover Storm cover excludes damage to gates, fences, and freestanding walls.

Safety net of between 10% and 20% of your sum insured, depending on your type and level of cover.

3 Under Essential cover, contents only covered if the theft occurs from inside a fully enclosed and lockable building at the insured site. Under Quality cover, theft is covered if the theft occurs from a fully enclosed and lockable building at the site, and for up to $2,000 in the open air.

4 A Landlord Extras claim will only be paid if you’re able to provide certain documents and evidence such as:

  • A written rental agreement
  • A documented booking confirmation (for casually-let properties)
  • Documented property inspection reports.

 The rental agreement should state the term of the lease, the amount of rent and bond payable by the tenant/s.

Landlord Insurance is issued by Allianz Australia General Insurance Limited ABN 99 003 719 319, which is a corporate authorised representative of Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz Insurance). Bank of Melbourne – a Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 arranges the insurance under a distribution arrangement with Allianz Insurance, but does not guarantee the insurance. This information does not take into account your personal circumstances. Read the Product Disclosure Statement to see if this insurance is right for you. 

By clicking on Get a quote you will enter a third party site hosted by Allianz. Any personal information you provide to Allianz’s hosted site will be collected, used and disclosed in accordance with Allianz’s Privacy Statement and Privacy Policy.

Bank of Melbourne's Privacy Policy is available at bankofmelbourne.com.au or by calling 13 22 66. It covers:

  • How you can access the personal information Bank of Melbourne holds about you and ask for it to be corrected;
  • How you can complain about a breach of the Privacy Act 1988 (Cth) or a registered Code by Bank of Melbourne and how Bank of Melbourne will deal with your complaint; and
  • How Bank of Melbourne collect, hold, use and disclose your personal information in more detail.