Extensive industry knowledge, decades of combined experience and an exhaustive risk assessment process make Tudor the partner you need to manage risk – personal or business.
Who Should Get Landlord Insurance?
Anyone who owns a residential property and rents it out should seriously consider landlord insurance. The rental bond system offers minimal protection against significant loss, and without appropriate cover, a single incident can put your investment at risk.
Landlord insurance is suitable for owners of:
Residential homes on long-term leases
Units, apartments, and other strata-titled properties
Holiday homes and short-stay rental properties
Airbnb and other short-term rental listings
Properties that are part-owned or jointly held
The right level of cover depends on the type of dwelling, its location, and the nature of your tenancy arrangements. That's why it pays to speak with an experienced broker like Tudor who can navigate the options and secure the right policy for you.
What Does Landlord Insurance Cover?
Landlord insurance is specifically designed to address risks that standard home and contents policies don't. Tudor works with a range of insurers to help you access cover that can include:
Landlord's fixtures and fittings: Built-in appliances, air conditioning, carpets, curtains, and blinds you provide as the landlord can be covered separately from the building structure itself.
Malicious damage and theft by tenants: Even with thorough screening, tenant damage happens. This covers deliberate damage, vandalism, or theft carried out by a tenant or their guests, which a standard home policy won't touch.
Landlord's fixtures and fittings: Built-in appliances, air conditioning, carpets, curtains, and blinds you provide as the landlord can be covered separately from the building structure itself.
Loss of rental income: If your property is damaged and can't be tenanted during repairs, cover compensates for the rent you'd otherwise be collecting. This is where business interruption cover principles apply directly to landlords.
Rent default: If a tenant fails to pay rent, abandons the property without notice, or is legally evicted, some policies provide cover for the resulting income loss while you find a new tenant.
Legal liability: Public liability cover is typically included in landlord policies, protecting you if a tenant or visitor is injured on your property and you're found legally responsible for the associated costs.
Short-stay and holiday rental risks: Holiday and short-term rentals carry unique risks that standard policies often exclude, such as guest damage, difficult evictions, or a guest's death causing cancellation of subsequent bookings. It's critical to confirm your policy covers the specific tenancy type you operate.
It's also worth ensuring your sum insured reflects the current rebuilding cost of your property, including debris removal, professional fees, and any outbuildings or structures on the land. Tudor can help you assess this and identify any gaps in your cover.
Why Use Tudor Insurance as Your Landlord Insurance Broker?
Choosing Tudor as your landlord insurance broker means having an experienced, Australian-run team in your corner. With over 35 years in the industry, we understand that no two investment properties or landlords are the same.
We take the time to understand your property portfolio, tenancy arrangements, and risk exposure before recommending cover. Whether you need protection for a single residential rental or multiple properties across different tenancy types, we'll help you navigate the options and secure a policy that fits.
As a broker, we work for you, not the insurer. That means we're with you from finding the right level of cover through to supporting you when you need to make a claim. Our team acts as your trusted advisor, ensuring your investment is properly protected when it matters most.
Get Landlord Insurance Today
Protect your rental property with cover built for landlords, not just homeowners. Speak with a member of the Tudor team or get a quote online today to find a landlord insurance policy tailored to your needs.
Landlords Insurance Quote
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