What is not included in your Landlord Insurance policy?

Damage to the physical building or any other property ordinarily covered under a strata insurance policy. Damage where the lot has not been maintained to a reasonable standard. Contents items that are not owned by the lot owner and available for tenant use. (see PDS for full list of exclusions)

Landlord Insurance

Protect your investment property against loss or damage. Designed for strata dwellings (where the dwelling is a unit, apartment, townhouse or villa) or a home within a community association.

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Buildings Cover (if selected) – not available for strata

Landlord Contents Cover (if selected)

24/7 Emergency Claims Line

Legal Liability Cover

What is Landlord Insurance?

Landlord Insurance helps protect residential property owners who rent out their strata properties or homes within a community association. Unlike standard home insurance, Landlord Insurance covers the unique risks associated with rental properties, including damage caused by tenants, loss of rental income and liability claims.

This type of insurance can cover the rental property, landlord contents and rental income if something unexpected happens. When you take out a policy you can choose:

Buildings cover (not available for strata)
Contents cover
Buildings and contents cover
Strata fixtures

What does CHU Landlord Insurance Plan cover?

Our Landlord Insurance helps protect your rental property and income from a range of insured events.

Key covers*

Buildings Cover (if selected)

Protection for your rental property’s building structure against loss or damage caused by insured events, and for malicious damage caused by tenants or paying guests.

Landlord Contents Cover (if selected)

Cover for loss or damage to landlord-owned contents – such as furniture, appliances and furnishings – when caused by insured events like fire, storm, theft, vandalism or malicious damage by tenants. Also includes cover for strata fixtures that the Owners Corporation is not required to insure.

Legal Liability Cover

Cover for your legal liability if a tenant, guest or another person suffers injury or property damage at the rental property, up to $30 million.

Loss of Rent

Cover for loss of rental income if your rental property becomes unliveable due to an insured event, for the period and limits set out in the policy.

*Cover is subject to policy terms, conditions and exclusions. Please refer to the PDS for full details.

Optional Covers*

Rent Default by Tenant Option

Cover for the rent you lose if a tenant leaves, fails to pay rent in accordance with the lease agreement, or is legally evicted from your rental property.

*You may be able to add optional covers for an additional premium. Cover is subject to policy terms, conditions and exclusions. Please refer to the PDS for full details.

Peace of Mind for Common Strata Claims

Some of the most common causes of strata insurance claims* include:

Water damage

Burst pipes

Hail damage

Glass breakage

Storm damage

Power surge

Fire damage

Accidental damage

Earthquake

Tenant Damage

*Coverage for these events depends on the insured event, policy conditions and applicable exclusions. Refer to the PDS for full details

Why choose CHU?

Specialist strata insurer since 1978

Leading the way in guiding Australian strata towards a healthy and resilient future.

Almost 1 million properties protected

Providing comprehensive cover that strengthens the communities we serve.

Award-winning underwriting agency

Find out why we’re Australia’s leading strata underwriter.

24/7 Emergency Hotline

Reach our experts exactly when you need them.

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What’s Included in Your Cover
What Isn’t Covered
The difference between Strata Building Insurance, Community Association Insurance and Landlord Insurance

Landlord Insurance may cover damage caused by insured events such as:

Damage to your rental property caused by events like storm, fire, flood, theft and more as outlined in the PDS.
Loss of rental income if your property becomes unliveable due to insured damage.
Legal Liability cover up to $30 million if someone is injured at your rental property.
Malicious damage or theft caused by tenants or paying guests.
Landlord contents you provide for tenants to use at the property.
Rent default by a tenant (optional cover and formal lease only).
Legal expenses relating to tenancy disputes when the Rent Default option is selected.

Like most insurance policies, some things are not covered.

Examples include:

Wear and tear or maintenance issues
Intentional damage or illegal activity
Losses not caused by insured events
Losses outside the policy period

Full exclusions are outlined in the Product Disclosure Statement.

Strata building insurance, community association insurance and landlord insurance serve different purposes.

Strata Building Insurance: Managed by the Owners’ Corporation (or Body Corporates, depending on the state), Strata Building Insurance covers the building’s exterior, common areas and shared facilities. While it protects against risks like fire, storm damage, and public liability in common areas, it doesn’t cover individual unit contents or the specific liabilities for investors if they are renting out strata units or apartments.

Community Association Insurance: This is for the collective owners of community property that serves all homes within a community association. This includes cover for accidental loss or damage to community property such as private roads, above and below ground services/utilities and communal buildings, as well as protection against risks faced by the association, including Legal Liability.

Landlord Insurance: Designed for property investors who rent out their strata units or investment homes within a community association, this insurance covers the landlord’s contents within the unit or home, such as appliances and furniture (if dwelling is self-furnished). It also protects against rental-specific risks like loss of rental income, tenant-caused damage, and liability for injuries within the rented unit.

The diagram below shows what would be covered by the strata building insurance and by your CHU Landlord Policy for strata property investors.

Important Documents

Landlord Insurance PDS and policy wording for policies effective 28 March 2025

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Landlord Insurance Additional Information Guide (AIG)

This Additional Information Guide (Guide) for Landlord Insurance provides you with more information about how we calculate premium, how excesses work, and how we settle claims under this policy. This Guide applies to new and renewing policies effective from 26 August 2025 and should be read together with the Landlord Insurance Product Disclosure Statement (PDS) QM10074.

Download

Landlord Insurance: Summary of key changes

Outlines key policy changes, and should be read in conjunction with latest Product Disclosure Statement and Policy Wording.

Download

Landlord Insurance Target Market Determination (TMD)

Target Market Determination is a document that describes who the product is appropriate for (target market), and any conditions around how the product can be distributed to customers.

Download

PDF Quote Form – Landlord Insurance

Download and complete a PDF quote form

Download

Landlord Insurance PDS and policy wording for policies effective 1 December 2022

Download

Frequently Asked Questions

It’s insurance cover for investment property owners who are renting out a unit/apartment or a home within a community association to tenants. It provides cover for accidental loss or damage to contents in your unit from insured events such as fire, flood or storms. It covers items such as carpets, light fixtures and fittings as well as loss of rent if the unit is unfit to be occupied. Additionally, it covers you and your investment property for malicious damage to contents/buildings caused by tenants and/or their guests.

Yes, Residential Strata Insurance only provides general insurance cover for the building, common/shared property and common/shared contents. The cover provided by the Strata Building policy generally ends when you cross the threshold of your individual property. Landlord insurance protects you for tenant related loss/damage inside your property and to strata fixtures not covered by the Body Corporate.

Yes, Community Association insurance only provides for accidental loss or damage to community property, as well as protection against risks faced by the association including legal liability. Landlord Insurance protects you for damage to your own home within a community association.

Lots are individual units, flats, apartments, townhouses, villas or duplexes on land that has been sub-divided into a strata title. Common Property is the shared spaces in the scheme such as common stairwells, driveways, visitor parking, roofs, gardens, lifts, gyms, pool etc. Strata living can provide a friendly community-style environment but differs from living in a freestanding house.

Landlord Insurance is designed for property investors who rent out strata units, apartments, or homes within a community association to tenants. It protects you and your investment property from any damage to contents from insured events such as fire, flood or storms. It covers items such as carpets, light fittings and fixtures as well as loss of rent if the property is unfit to be occupied. Additionally, it covers you and your investment property from malicious tenants who might vandalise your property or leave without paying the rent.

Yes, please advise us of any changes to weekly rent to ensure that we’re maintaining an acceptable level of coverage for you.

If CHU insures the residential strata scheme at the same address where your lot is situated and damage occurred that is claimable to both your Strata cover and Landlord cover due to the same cause and on the same date, only the excess on the residential strata policy is due for payment.

Yes, we do provide loss of rent for casual lets (no legal requirement for a lease agreement and rental period is less than 3 months), noting that only confirmed bookings will be covered in the event you need to make a claim for loss of rent. Rent default however is not available for casual lets. Please contact us to ensure your specific requirements are met.

Yes, a refund may be available. We can also assist if you are changing this from a Landlord to a Contents Insurance policy, as you are now moving in. Just let our team know and we can help. Click on the chat bubble at the bottom right of your screen to send us a Live Chat.

CHU Landlord Insurance is designed for property investors who rent out strata units, apartments, or homes within a community association. Please refer to the Target Market Determination for additional information on product suitability.

Your residential strata insurance covers the structure of the property itself, landlord insurance provides additional protection specifically for landlords, including coverage for rental income loss, tenant-related damage, legal expenses, and liability claims. Having both building insurance and landlord insurance can offer comprehensive coverage for your investment property properties.

Yes it covers rental loss if the lot becomes unfit to be occupied due to damage, if the tenant departs without notice or if the tenant defaults on their rent (if rent default option has been selected).

Damage to the physical building or any other property ordinarily covered under a strata insurance policy.
Damage where the lot has not been maintained to a reasonable standard.
Contents items that are not owned by the lot owner and available for tenant use.

(see PDS for full list of exclusions)

Traditionally, home and contents insurance provides insurance protection for home owners who reside within the premises. Landlord insurance is designed specifically for property owners who rent out their properties.

For strata properties, it covers fixtures and fittings, which is not required by law to insure, as well as risks like loss of rental income, tenant damage, and liability.

For investment homes within a community association, landlords can select buildings cover only, contents cover only or building and contents, as well as having the additional protection to safeguard rent or similar

Landlord Insurance is not mandatory in Australia, but it is highly recommended to protect your investment property and safeguard against unexpected events as strata insurance and community association insurance do not cover personal belongings. Landlord insurance can provide financial security in case of damage, loss of rental income, or liability claims.

Landlord Insurance

What is Landlord Insurance?