Landlords Insurance

As we've been serving regional and rural Australia for so long we know exactly what local landlords need. This means you're covered for your local conditions and circumstances, and you don't pay for cover you don't need.

So if you're an owner of tenanted property and want cover for Building, Contents, Rent Default, Malicious Damage and Liability we invite you to call your local Elders Insurance Agent - local insurance for over 100 years.

Building and contents cover

Elders Insurance gives you the flexibility to insure your Building, or your Building and Contents. When you insure your Building, you can choose to insure for replacement value or indemnity value. When you insure your contents, they are automatically insured for replacement value (except for carpets, curtains, drapes and internal blinds more than 10 years old).

Your Building and Contents are also protected against accidental loss or damage of all kinds, other than those events specifically excluded in the policy wording. If we pay out for damage to the building and it cannot be lived in because of that damage, we will pay your loss of rent (for up to 12 months) until the damage is repaired, but the amount we pay for loss of rent will not be more than 10% of the sum insured on the building.

Rent Default, Malicious and Intentional Damage, Theft Cover

If you choose to buy this additional insurance, we provide the following cover:

• The cost to repair Malicious Damage to the Building caused by your tenant, their children or their visitors
• The cost to replace parts of the Building that are stolen, e.g. light fittings
• If you insure your Contents, the cost to repair or replace items which are Maliciously Damaged by your tenant, their children or their visitors
• If you insure your Contents, the cost to replace items that are stolen
• Your loss of Rent (subject to certain limitations) if the Building is unoccupied for more than 7 days because:
  • your tenant vacates without notice;
  • your tenant stops paying you rent and denies you access to your premises; or
  • malicious and intentional damage has been sustained to your premises.

Liability cover

As part of our standard cover, we protect you for your legal Liability as Landlord arising from the ownership of the Building for occurrences that cause death, injury or illness, or loss or damage to someone else's property. 

Or call us to talk today on: 13Local (13 56 22)

Landlords Insurance Product Disclosure Statement and Policy

Elders Insurance Limited is the issuer of these insurance products. Please check the Product Disclosure Statements available from your local Elders Insurance representative or Elders Insurance to determine if the insurance is suitable for your needs. Elders Insurance Limited AFSL 237756, Elders Insurance (Underwriting Agency) Pty Limited, Head Office: 27 Currie Street, Adelaide SA 5000