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Landlord Insurance

Insure your investment property and landlord's contents for insured events such as theft, fire1, storm1 and malicious damage.

Allianz Landlord Insurance

A residential investment property needs to be appropriately insured. Landlord insurance can give you the confidence that your property will be covered should something go wrong. Allianz Landlord Insurance through HSBC Bank Australia Limited covers the property and/or the contents you provide for your tenant's use from loss or damage by insured events.

 

To help you decide the cover you need, here's a brief outline of the difference between Buildings and Contents cover:

  • Buildings: designed to cover the physical structures that make up your property, like the house itself, garage, sheds, permanently installed swimming pools and decks.
  • Contents: designed to cover items at your property – from furniture, removable domestic appliances and white goods which belong to you as the landlord and that you have provided for the use of your tenant. It also covers your carpets and window furnishings.
  • Cover your investment property from insured events
  • Save up to 10% on your first year's premium when you quote and buy a new policy online2, 3
  • Pay by the month at no extra cost4

Features and Benefits

The better you understand your policy, the easier it will be if you ever have to claim.

Here is a limited summary of the benefits of a landlord insurance policy. For full details of the standard terms, conditions, limits and exclusions that apply please read the Product Disclosure Statement (PDS), any applicable supplementary PDS before making a decision to purchase the insurance. The Landlord Buildings and Landlord Contents Key Fact Sheets (KFS) also sets out some information about the cover

  • Cover for the unexpected
    Allianz offers cover for your investment property for out of the ordinary but devastating events such as fire1, storm1 and burglary.
  • Legal liability
    Allianz will cover your legal liability up to $20 million for payment of compensation relating to death, bodily injury or illness, and/or physical loss of or damage to property caused by an accident (or series of accidents). If you have contents cover only, it does not cover any legal liability you may incur as owner of the buildings unless the buildings are defined as a lot.
  • Making your buildings environmentally friendly
    If you have buildings cover and your buildings are totally destroyed and need to be rebuilt, in addition to your buildings sum insured, Allianz will pay up to $5,000 (after deduction of any government or council rebates) to help you make the new buildings more environmentally friendly.
  • Landlords contents

    Allianz will pay for repair or replacement of contents you own and provide for your tenant's use as a result of an insured event.

    If you have buildings cover only, Allianz will pay up to the lesser of $10,000 or the remainder of the sum insured after payment of the buildings claim, for certain landlord's contents under this additional benefit

  • Rental costs after an insured event
    If your buildings are damaged by an insured event and can't be lived in by your tenant, or access to or use of the buildings is not possible for at least 7 days after an insured event Allianz will pay for your loss of rent on the buildings for up to 12 months if you have buildings cover or if your building is part of a strata title development and you have contents cover only.
  • Rebuilding and professional fees
    If you have buildings cover and you need to rebuild your buildings after total loss or damage. Allianz will help pay the reasonable costs of architects, engineers, surveyors and solicitors up to $5,000.
  • Debris removal
    In addition to your buildings and/or contents sum insured, Allianz will pay up to 10% of the building and/or contents sum insured for removing debris from your insured address if your buildings are damaged or destroyed by an insured event.
  • Contents in the open air at the insured address
    If you have contents cover, Allianz will cover contents in the open air (that you own and that you have provided for your tenants use) which have been lost or damaged by an insured event covered by your policy, up to a maximum amount of $1000.
  • 24/7 claims assistance
    When you need to make a claim Allianz are there for you with 24 hour claims lodgement available online, or you can call the claims line to commence the claims process over the phone.

Get a quote for Landlord Insurance

To lodge a Landlord insurance claim

Online, any time

A convenient way to lodge a Landlord insurance claim is via the online claim form. You can commence submitting your Landlord insurance claim notification 24 hours a day, 7 days a week.

All you need to do is complete the online claim form. Once it is lodged, a friendly claims consultant will contact you as soon as possible.

  • Secure form
  • No phone queues
  • Immediate confirmation number for your reference

Over the phone - 24 hours a day, 7 days a week claims service

You can call claims on 1300 555 030 and a consultant will help you commence the claims process

Terms & Conditions 

HSBC Bank Australia Limited (HSBC) ABN 48 006 434 162. AFSL/Australian Credit Licence Number 232595 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL Number 234708. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statement available from https://www.hsbc.com.au/insurance. The relevant Target Market Determination is available by calling 1300 205 060. If you purchase this insurance, we will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with services.

 

  1. 72 hour exclusion period
    We may not provide cover for any loss of or damage to your property caused by cyclone, grassfires and bushfires, and certain other insured events during the first 72 hours after you first purchase a policy or increase your cover under an existing policy. Refer to the PDS for a full list of the insured events to which the 72-hour exclusion period applies and the relevant exceptions. 
  2. Online discount
    When you both get a quote and buy a new home insurance policy online, you'll get a discount of up to 10% on your first year’s premium. This discount does not apply to Landlord workers’ compensation (if available and selected), or when you renew a policy. Minimum premiums apply.
  3. Minimum premiums
    Where discounts apply, your premium is subject to rounding. If more than one discount applies, they’re applied in a predetermined order, so the later discounts apply to the amount already reduced by the earlier discounts instead of the total amount. Discounts do not apply to government taxes and charges.

    Most discounts won’t apply below the minimum amount payable for the policy.
  4. Instalment premiums
    If you choose to pay your premium by instalments, you do not pay us any more than if you pay your premium in one lump sum annually. The premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding. Note: Your financial institution may apply transaction fees to instalment payments.