Landlord Insurance Broker
Expert cover and portfolio management for property investors.
SME
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Specialist
Landlord Markets
Direct
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When you're managing rental properties, going direct to an insurer might seem straightforward. But when settlement timelines are tight, claims get messy, or you're building a portfolio across multiple properties, that's when investors come to us.
We work with hundreds of landlords across Australia, from single investment properties to multi-entity portfolios. Most come to us through buyers agents and real estate professionals who know that serious investors need more than a basic policy. They need someone who understands rental property risks, can move quickly when settlements depend on it, and will actually pick up the phone when a claim lands.
COVERAGE DETAILS
What landlord insurance covers
Landlord insurance protects the physical building and your rental income. As a property owner, you have an insurable interest in your investment. Standard policies typically include building cover, loss of rent if the property becomes uninhabitable, landlord contents (your appliances and furnishings, not the tenant's belongings), and liability protection if someone is injured on the property.
You can add accidental damage cover, rent default protection (if a tenant stops paying), and higher limits for specific risks. Policies vary between insurers, which is where a broker makes a difference. We compare cover types, excesses, and exclusions across insurers and underwriting agencies to find the right fit. Some of these insurers include SGUA, CHU, Allianz, CGU, Castle, and 360 Landlords and more.
For properties that don't fit the standard mould (blocks of units, non-strata properties with multiple dwellings, older buildings, regional locations, high flood zones), we work with specialist underwriting agencies who welcome these risks. More on that below.
THE BROKER ADVANTAGE
Why landlords use a broker
Expertise and portfolio management that standard insurers can't provide.
If you're holding multiple properties, dealing with renewals, certificates of currency, and separate policies for each one becomes a job in itself. We manage portfolios as a single point of contact. When you need certificates fast for settlement, or you're refinancing and the bank needs proof of cover, it's done. No waiting on hold with a call centre.
The biggest gap between going direct and using a broker shows up when you make a claim. Insurers don't tell you whether it is recommended to claim, what it'll do to your premiums, or how to document everything properly. We do. We've walked clients through water damage claims, fire damage, tenant disputes, and loss of rent situations. We know when a claim is worth making and when it's better to wear the cost.
Property investors often need insurance in place yesterday. Settlement's next week, the bank wants proof of cover, and going through the standard application process won't cut it. We prioritise these situations because we see them constantly. If the details are clear and the property fits our markets, we can turn around certificates same-day or next-day.
Some properties get knocked back by mainstream insurers. Flood zones, older buildings, non-strata blocks of units, regional properties with limited services. We have access to underwriters who write these risks as their core business, not as a favour. If your property doesn't fit the standard box, we can usually still place it.
NICHE EXPERTISE
Block of units and non-strata insurance
This is a niche area where most landlord insurers won't quote. If you own multiple dwellings on a single title (say, four units in the same block but not under a strata scheme), many major insurers have pulled out or won't look at it. It's not technically strata insurance, and it's not standard landlord cover either.
We work with specialist underwriters who thrive in this space. Recent placements include a block of four units in Victory Heights WA and a six-unit block in North Albury NSW. Both were placed with SGUA after other insurers declined or referred. Block size typically ranges from four to eight units, though we've handled larger. Read our Albury portfolio case study.
If you're in this situation, view our block of units or non-strata insurance pages, or call us. It's a small market, but we know who writes it.
CLIENT SUCCESS
How we've helped
Real-world examples of how we manage risk and secure cover for property investors.
FAQS
Frequently Asked Questions
Get the right cover for your rental property
Expert cover and portfolio management for property investors.