Key benefits

Loss of rent during repairs: If your building or contents are covered and your rental property is unliveable after a covered event, CGU will pay up to 12 months of lost rent
Furniture & furnishings: Cover for loss or damage to furniture, furnishings and carpet in your property.
Theft and vandalism: Cover for stolen items and damage to your items from robbery and vandalism, including stolen keys.
Flood, storm and storm surge: Cover for loss or damage to your items caused by flood, rainwater run-off, storm, storm surge and tsunami.
Fire: Cover for loss and damage to your home caused by fire (including bushfire).
Damage from leaks: Cover for loss or damage to your property caused by liquid leaks,like from a burst pipe or broken heater.

Product overview

We understand being a landlord can be stressful, maintaining an investment property and dealing with tenants. Landlord insurance can help give you peace of mind and confidence that your investment will be looked after should something go wrong. We’ve teamed up with CGU to provide landlord insurance that protects your building and contents, with optional additional cover so you only pay for what you want.

    Compare your cover

    This table compares the cover CGU provides under the types of insurance and levels of cover it offers. The amount and extent of cover, including additional benefits and optional benefits, may also vary depending on the cover selected. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement.

    Cover Building Contents
    Cover for loss or damage to Your Rental Property and Contents
    Accidental breakage of glass y y
    Animal damage y y
    Damage by occupant y y
    Deliberate or intentional act y y
    Earthquake y y
    Electrical motor burnout y y
    Escape of water or liquid y y
    Explosion y y
    Fire y y
    Flood or Rainwater Run-off y y
    Impact y y
    Lightning y y
    Riot or civil commotion y y
    Storm y y
    Storm Surge or tsunami y y
    Theft by Tenant y y
    Theft or attempted theft y y
    Cover for liability y y
    Additional benefits
    Abandoned possessions y y
    Contents in the open air x y
    Landlord furniture and furnishings – non-Strata scheme y x
    Landlord fixtures – Strata scheme x y
    Landscaping y x
    Locating the cause of damage y x
    Loss of rent y y
    Meeting building regulations y x
    Mortgage discharge costs y x
    Professional and rebuilding fees y x
    Removal of debris y y
    Replacement of keys and locks y x
    Storage costs x y
    Optional benefits
    Rent default Optional Optional
    Safety net Optional x

    Ready to get a quote?

    You can get a quote online today.

    Need to make an insurance claim?

    Make a claim through your CGU Online Account or call CGU's claims team 24 hours a day, 7 days a week on 13 24 80.

    Prior to 16 June 2025

    If you opened or renewed your policy before 16 June 2025, visit our former landlord insurance page for more policy details.

    Talk to us about your insurance needs today!

    Important to know

    • CGU cover either the weekly rent listed on your Certificate of Insurance, or the weekly rent in your rental agreement, whichever is less. A valid rental agreement is required.
    • Under a Landlord ‘Contents’ policy, your furniture and furnishings are covered up to the contents insured amount. Under a 'Building' policy, if your property isn't under a strata or similar scheme your furniture and furnishings are covered to up to 10% of the building insured amount.
    • If theft or vandalism is by a tenant, CGU will deduct from your claim four times the weekly rent amount shown on your rental agreement, in addition to the standard excess. A valid rental agreement is required. No excess is payable for a claim made only under the 'Replacement of keys and locks' additional benefit.
    • CGU don’t cover actions of the sea, such as tides and waves.
    • CGU doesn't cover damage caused by water leaking or escaping from a shower recess or shower base. CGU doesn't cover loss from erosion or other earth movements. CGU doesn't cover the costs to repair or replace the item that the liquid leaked or escaped from.
    • Subject to CGU’s underwriting rules and acceptance guidelines.
    • Excesses and exclusion periods may apply. Refer to your Certificate of Insurance. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement.
    • People First Bank (a trading name of Heritage and People’s Choice Ltd ABN 11 087 651 125 AFSL 244310) acts under its own AFSL and under an agreement with the insurance issuer Insurance Australia Limited ABN 11 000 016 722, AFSL 227681, under the CGU brand, in distributing this insurance. Any advice provided is general advice only and does not take into account your individual objectives, financial situation or needs (“your personal circumstances”). Before using this advice to decide whether to purchase a product, you should consider your personal circumstances and the relevant Product Disclosure Statement and Target Market Determination.

      All our insurance issuers pay commission at rates which range from 0% - 25% of the base premium. The commission rate varies depending on the type of insurance.

      Contact us on 13 11 82 with any questions, or visit your nearest branch to talk to a consultant.