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Insurance for landlords

For apartments, units, villas and townhouses

CHU Landlords Insurance for Strata is a tax deductible insurance and that protects you against loss or damage to your investment property.

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Landlord insurance

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CHU Landlords Insurance for Strata covers apartments, units, villas and townhouses to offer you complete insurance. So you can continue to receive rent if you tenant defaults, suddenly departs or damages your property so that is unfit to be occupied.

Landlord insurance if you live in an apartment, unit, villa or townhouse is important as residential strata insurance only protects the building, not your personal property or possessions.

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Why choose CHU?

CHU protects almost 1 million properties across Australia and is one of Australia's largest and most awarded insurance underwriting agencies.

CHU specialises in providing comprehensive insurance that is tailored specifically for strata properties like apartments, units, villas and townhouses. 

What does CHU Landlord Insurance for Strata cover?

Unlike other companies CHU offers automatic inclusions other insurers may charge as ‘optional extras’ or not offer.

Section Cover Complementary Special Benefits
1. Contents Covered on a new for old replacement basis against accidental loss or damage

Special benefit:

  • Contents in the open air: $3,000
  • Debris removal: 10% of the sum insured
  • Burning out of electric motors: $2,000
2. Building Damage Walls, windows, doors, floors, ceilings and fixtures of the property are covered against theft, accidental or malicious damage  
3. Loss of Rentable value Loss of rentable value if your property is unfit to be occupied, (52 weeks)  
4. Loss of rent (departure of tenant) Loss of rent if your tenant departs, (6 weeks)  
5. Loss of rent (default by tenant) Loss of rent if your tenant defaults, (15 weeks)

Special benefit:

  • Cost of changing door/window locks if ordered by the court: $250
6. Legal expenses Legal expenses in connection with a claim

Special benefit:

  • Cost of Your Property Managers time: $500
  • Cost of defending against a breach of tenancy agreement action: $500
7. Liability to others $30M protection if you’re legally responsible to pay compensation for personal injury or property damage  
8. Government audit costs Professional costs incurred in connection with an investigation by the Australian Tax Office or other statutory body: $5,000
  • A record keeping audit: $1,000
Plus your policy comes with:
  • 21 day cooling off period should you change your mind
  • 24/7 claims service and support with emergency assistance
  • $0 cancellation fee
  • New for old replacement
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Multi Award Winning

Awards include back to back winners of the Underwriting Agency of the Year Award 2017 – 2018 and Insurance Business Gold Award winner 2016 – 2018.

Icon Cover for your building and common area contents
Almost 1 million properties protected

We are strata specialists, organising the insurance for almost 1 million apartments, units and townhouses across Australia.

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24/7 Claims Process and Emergency Hotline

When you need help the most CHU’s claim process strives to be quick and accessible. Over 40% of claims are processed in under 24 hours.


CHU are multi-award winners: back to back winners of the Underwriting Agency of the Year Award 2017 – 2018 and Insurance Business Gold Award winner 2016 – 2019.

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Why you need landlord insurance

  • Most common claim type – loss of rent

    Your neighbour’s sewerage pipe blocks causing your toilet to overflow. You have widespread sewerage and water damage to your property. Your tenant leaves as the property is uninhabitable.

    The damage takes 3 months to fix, your CHU Landlords Insurance policy provides new for old replacement for affected items and loss of rentable value while your property is unfit to be occupied.

  • Most expensive claim type – legal liability

    Your tenant slips on a wet tile and falls inside your apartment, hurting their ankle, back and hand. X-rays confirm fractures resulting in time off work.

    Your tenant seeks damages from you for medical treatment and loss of earnings. Your CHU Landlord Insurance policy covers you for the cost of defending the claim and also the legal liability.

The diagram below shows what would be covered by the strata building insurance and by your CHU Landlords Policy.

CHU insurance policy key

Frequently asked questions

  • What is landlord insurance and do I need it?

    It’s insurance cover for strata property owners who are renting out a unit/apartment to tenants. It is important as it provides cover for accidental loss or damage to contents in your unit from events such as fire, flood or storms. It covers items such as carpets, light fixtures, built-in wardrobes and kitchen cupboards 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. It also covers you if your tenant fails to pay rent.

  • Do I need landlord insurance when my building has Strata Building Insurance?

    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 ends when you cross the threshold of your individual property. Landlords insurance protects you for tenant related loss/damage inside your property.

  • What is a strata property?

    Lots are individual units, flats, apartments, townhouses, villas or duplexes. Common Property is the shared items in 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.

Important documents

Name Link

Landlords Insurance PDS and policy wording 


Landlords Insurance Flyer

Should be read in conjunction with latest Product Disclosure Statement and Policy Wording.


Want to know more about strata in your state?