Landlords Insurance for Your Rental Property
Landlords insurance helps protect your rental property, rental income, and liability. Get tailored advice from Ironbark Group Australia.
Owning a rental property is a significant investment, and protecting it takes more than just a standard home insurance policy. Landlords insurance is designed specifically for property owners who lease to tenants, covering the risks that come with renting out your home, unit, or investment property across Australia.
A landlord insurance policy goes beyond basic building insurance to address the unique exposures rental properties face. From loss of rental income and tenant damage through to legal liability and malicious damage, the right cover can make a real difference when an insured event occurs.
At Ironbark Group Australia, our insurance brokers take the time to understand your situation, compare landlord insurance options across a range of insurers, and recommend cover that suits your rental property and financial goals.
Why Choose Ironbark Group for your Landlords Insurance?
We help landlords across Australia protect their investment properties with clear, practical insurance advice and access to a broad panel of insurers.
As your trusted insurance broker, Ironbark Group:
Understands the specific risks landlords face with residential and short term rental properties
Helps you compare landlord insurance policies across a wide range of insurers to find the right fit
Explains cover clearly, including buildings cover, landlord contents insurance, and optional extras
Supports you through the claims process, from lodgement through to resolution
Provides ongoing reviews as your rental portfolio grows or your circumstances change
We focus on your individual situation and guide you from first enquiry through to policy placement and beyond.
Turn your Landlord Insurance into a Long-Term Asset Protection Strategy
Rental properties face risks that can affect both your building and your rental income. Ironbark Group’s insurance advisers help landlords across Australia review their current cover, compare landlord insurance options, and put in place a policy that reflects the real value of their investment.
Frequently Asked Questions
What does landlords insurance typically cover?
Most landlord insurance policies include building insurance cover, loss of rental income following an insured event, legal liability, and optional extras such as rent default cover and accidental damage. Always check the product disclosure statement for full details on what is and isn’t included.
Is landlords insurance different from home insurance?
Yes. Standard home insurance is designed for owner-occupiers, not rental properties. A landlord insurance policy is structured to address the specific risks of leasing to tenants, including tenant damage, loss of rent, rent default and legal liability that a regular home insurance policy would not normally cover.
How much does landlord insurance cost?
Landlord insurance cost varies depending on the property type, location, sum insured, and the level of cover selected. Additional optional cover such as rent default cover or accidental damage will affect the premium. Ironbark Group can help you compare landlord insurance quotes across multiple insurers to find a policy that suits your budget and needs.
Can I get landlord insurance for a strata property?
Yes, though it’s important to understand how your landlord insurance policy interacts with the strata insurance held by the body corporate. Strata insurance typically covers common areas and the building structure, while a landlord insurance policy can cover your contents, rental income, and legal liability within your lot. Ironbark Group can help clarify what each policy covers.
Does landlord insurance cover natural disasters?
Many policies include cover for extreme weather events and natural disasters, but flood cover may be subject to specific conditions or available as an optional extra. It’s important to review the product disclosure statement and check whether your property is in a flood-prone area. We can help you understand what cover applies to your situation.
Is landlord insurance tax deductible?
Landlord insurance premiums are generally considered a deductible rental property expense under Australian tax law. Your accountant can confirm how this applies to your personal financial situation and overall tax position.
Do I need separate insurance for a holiday rental?
Standard landlord insurance policies are generally designed for long-term tenancies and may not provide adequate cover for short term rentals or holiday rental properties. A specialist short term rental insurance policy is often more appropriate. We can help you find the right cover for your rental arrangement.
What is rent default cover?
Rent default cover is an optional cover available on some landlord insurance policies. It provides financial protection if a tenant fails to pay rent in accordance with the rental agreement, up to the policy limit. This cover can be a valuable safety net for landlords relying on rental income to service mortgage repayments.
How does the claims process work?
When an insured event occurs, you notify your insurer and lodge a claim with supporting documentation. Ironbark Group supports clients throughout the claims process, helping you communicate with your insurer and work towards a timely resolution. We’re here to help, not just at policy inception, but when you need us most.
What if my situation is more complex?
Every landlord’s circumstances are different. If you manage multiple investment properties, hold properties through a trust or self-managed super fund (SMSF), or have a mix of long-term and short term rentals, we’ll take the time to understand your full picture and recommend cover that reflects your needs. Get in touch to discuss your specific situation.
What Our Clients Say
Trust, reliability and hard work — made everything a breeze.
Trust, reliability and hard work — that was our experience with Ironbark. From home loan to settlement, personal loan and refinancing — everything was a breeze.
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Ben and Carly have been nothing short of amazing… always there to help no matter the question, day or night.
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Thank you Ben and Carly! You made purchasing our first home stress-free and enjoyable — guiding us through every step from the beginning until settlement.
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Professional, patient and supportive through a stressful time.
From start to settlement and continuing on, Carly has been a great help. Professional, patient and understanding during a stressful time.
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Seamless, stress-free and tailored to my needs.
He made the mortgage process seamless, stress-free, and easy to understand, and made sure I got the best possible rates with terms tailored to my needs.
Alicia Fava
Get in touch
Whether it’s home loans, commercial finance, asset finance, or insurance, our team is here to help you make confident decisions. Contact us and discover how we can tailor the right solution for your needs.
PHONE
POSTAL ADDRESS
PO Box 883, Upper Coomera QLD 4209
UPPER COOMERA
4 Dalton St,
Upper Coomera QLD 4209
SOUTHPORT
Griffith University, Link Building,
5/58 Parklands Dr, Southport QLD 4215
HELENSVALE
15-17 Millennium Circuit,
Helensvale QLD 4212