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What is Landlord Insurance?
Negative gearing; equity; loss of rental income – you’ve gone through all the numbers and done the math when it comes to renting out your home. Before handing over the keys to your property manager, there is one part of the equation you’ll need to include in your calculation.
Landlord Insurance has been designed to cover you for risks generally faced by landlords when renting out their property. It is an enhanced form of home building (and/or contents) insurance, which includes cover for the events a traditional home insurance policy would be expected to cover, such as storm and fire, but has additional features which are applicable to you as a landlord such as cover for pet damage.
The Landlord Insurance arranged by Aon can cover your property for damage as well as any loss of income you might sustain while the property is out of action and includes1:
- Loss of rent
- Damage by tenants to contents
- Liability cover
- Flood
- Clean up costs associated with illegal drug protection
- Rent default
- Pet damage.
Why do Landlords need insurance?
Investment property owners have a lot on their shoulders. From the moment the lease agreement is signed, the responsibilities of fixing the leaky tap, the loose door hinge and the faulty power point all sit with the landlord. Having tenants in a home can bring additional complexities, such as liability on an owner's part, or tenants causing damage to the rental house. If a landlord's negligence causes a tenant or their visitors to suffer an injury, or if tenants leave the property in a shocking condition, the headache of legal fees or repair costs will be a big strain on a property owner's pocket. Landlord insurance can help provide comfort of having cover in place for these types of mishaps.
Are you a Real Estate Agent?
If you're a Real Estate Agent who looks after rental properties, you can arrange Landlord Insurance through Aon on behalf of your clients. Click here to access Real Estate Agent resources.
If you'd like to become a Landlord Insurance Distributor and be able to earn commission, refer to the Distributor Guide below or contact us on 1300 734 274 or au.propertymanagers@aon.com

Aon arranges two types of Landlord Insurance policies
Rental Protection Plus Advantage
The level of cover and price are fixed per state, refer to Premiums information below. Rental Protection Plus Advantage includes set cover for:
- Contents up to $50,000
- Loss of Rent up to $50,000
- Liability $20 Million
- Basic Excess $250
Rental Protection Plus
This is a tailored insurance policy where you pay only for the cover you need including building insurance. Premiums vary depending on the cover and excess selected. To arrange a quote, contact us on 1800 105 900 or complete the Building Insurance form.
For flexibility in your landlord cover, we also offer Rental Protection Plus Landlord Insurance, which provides you with flexibility to choose the cover you need and also include building insurance. Simply apply online or call us on 1800 105 900 for more information.
Rental Protection Plus Landlord Insurance provides you with flexibility to choose the cover you need and also include building insurance. Simply apply online or call us on 1800 105 900 for more information.



Claims process
When it comes to making claims, providing you have all the relevant documentation at lodgement, the process can be done simply over the phone or via email.
To lodge a Landlord Insurance claim, please call us on 1800 105 900 or complete the form and return it to newclaims@cgu.com.au
Why choose Aon for Landlord Insurance?
Aon is committed to making life easier for you by arranging insurance that’s easy to understand, buy and manage, so you can get quotes and take out a policy online. Or if you do need help, our team of friendly experienced brokers are a phone call away to help you understand what insurances you may or may not need, but more importantly, why. Helping give you confidence that you’re making a better decision for you and your business.
Aon is a proud partner of the Real Estate Institute of Australia (REIA), the Real Estate Institute of Queensland (REIQ), the Real Estate Institute of Western Australia (REIWA), the Real Estate Institute of Victoria (REIV) and the Real Estate Institute of Northern Territory (REINT).
Aon Real Estate Partners
Providing specialist insurance solutions & risk education to our partners.



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