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Insurance broker conducting property assessment with Australian landlord outside apartment investment for tailored coverage

Landlord Insurance Broker

Declined elsewhere, settling next week, holding a portfolio or an SMSF property, or a rental that doesn't fit the standard box. We place the landlord risks that need a broker, and manage them as one portfolio.

24-72h

Cover with all information in hand

Specialist

Markets for declined property

SMSF

Trust and fund-owned rentals

Recognition

Industry Awards

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.

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WHICH SITUATION IS YOURS?

The landlord situations we place most

Most of the landlords who come to us have a property that a standard online quote can't describe. Find yours below; each page explains how that policy gets structured and what recent placements cost. For the numbers in one place, see the landlord insurance cost guide.

House with a granny flat

Two dwellings on one title, owner in front or both rented. One policy, both declared.

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Dual occupancy or dual key

Two homes under one roof or side by side. One policy or two, and who writes it.

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Heritage-listed rental

What the listing does to the rebuild cost, the sum insured and the market.

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Property in a flood zone

Flood included, optional or excluded, and how the address is actually rated.

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Owned by an SMSF or trust

The trustee is the insured, the lender is noted, and the portfolio runs through one contact.

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Block of units on one title

Four to eight units, no strata scheme. Specialist markets that write it as core business.

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Duplex, triplex or townhouse row

Multiple dwellings on a single title, insured as one holding.

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Non-strata property

Which policy fits when there is no owners corporation.

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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.

Landlord handing over rental property keys symbolising tenant changeover and the importance of landlord insurance protection

THE BROKER ADVANTAGE

Why landlords use a broker

Expertise and portfolio management that standard insurers can't provide.

Landlord and insurance broker finalising rental property insurance policy with handshake over documents and property keys

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. With all the information in hand, cover can be arranged in as little as 24 hours; usually it takes 48 to 72 hours, and the certificate follows as soon as the policy is bound.

Some properties get knocked back by mainstream insurers. Flood zones, older buildings, non-strata blocks of units, mixed-use properties, 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 many landlord insurers have limited appetite. If you own multiple dwellings on a single title (say, four units in the same block but not under a strata scheme), it sits outside the standard appetite of many major insurers. 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, non-strata insurance, or mixed-use property insurance pages, or call us. It's a small market, but we know who writes it.

Two dwellings on one title but not a unit block - a house with a granny flat, a dual occupancy or a dual key home - is a different case again. Our granny flat insurance page covers how that policy gets structured, including owner-in-front, both-rented and family-rent-free setups, and our dual occupancy insurance page covers one-roofline, side-by-side, dual key and SMSF-owned setups.

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Insurance broker providing professional claims support and advice to landlord client for fast settlement assistance

CLIENT SUCCESS

How we've helped

Real-world examples of how we manage risk and secure cover for property investors.

Premiums and outcomes described are specific to each client and indicative only. Your own terms will depend on your circumstances and the insurer.

FAQS

Frequently Asked Questions

We work with SGUA, CHU, Allianz, CGU, Castle, and 360 Landlords for standard landlord risks. For harder-to-place properties (blocks of units, non-strata, high-risk locations, older buildings), we access specialist underwriting agencies. We don't rely on one market. If your property doesn't fit the mainstream appetite, we go to the insurers who welcome it.
Yes. With all the information in hand, cover can be arranged in as little as 24 hours; usually it takes 48 to 72 hours depending on the property and the markets involved, and the certificate of currency follows as soon as the policy is bound. Property investors often need cover urgently for settlement or refinancing, and we prioritise those situations. Send the settlement date with the enquiry, or call us on 02 9000 1155 and we'll tell you straight away whether it's doable.
Loss of rent covers you if the property becomes uninhabitable (fire, flood, major damage) and you can't collect rent while it's being repaired. Rent default covers you if the tenant stops paying rent. They're separate covers. Most standard policies include loss of rent automatically. Rent default is usually optional and adds to the premium.
We help with claims. When something happens, call us first. We'll tell you whether it's worth claiming (some repairs cost less than the excess, or claiming might spike your premium). If you do claim, we handle the paperwork, liaise with the insurer, and chase it up if it's dragging. Going direct to an insurer means you're on your own. Going through a broker means you've got someone in your corner.
Yes. This is one of the harder placements in landlord insurance because most mainstream insurers have limited appetite for non-strata blocks with multiple dwellings. We work with specialist underwriters who write this as their core business. Typical property size is four to eight units on a single title. We've placed several in the past year. Own multiple units on the one title? See our specialist guide.
Probably. We see declines regularly, usually due to location (flood, bushfire, cyclone zones), construction type (older buildings, certain materials), or occupancy (vacant properties, boarding houses). We have access to markets that write higher-risk properties as standard business. Call us on 02 9000 1155 and we'll tell you straight away whether we can place it.
Usually. A decline describes one insurer's guidelines, not the property. Appetite is case by case: each underwriter weighs location, construction, age, occupancy and the sum insured differently, so a property outside one market's appetite often sits inside the next. Send us the decline and the details, and we'll take it to the markets that write that kind of risk. The situations we place most often are covered on their own pages: flood-zone property, heritage-listed rentals and blocks of units.
Yes. The cover is ordinary landlord cover; what changes is the name on the policy. It has to name the trustee as trustee for the fund or trust, with the lender or custodian noted as an interested party, and the certificate of currency issues in that name for the lender and the auditor. We place fund-owned houses, dual key properties and blocks of units, and manage portfolios held across several entities through one point of contact. Our SMSF property insurance page covers the insured-name detail.
Yes. A house with a granny flat, a dual occupancy or a dual key home can generally go on one landlord policy with both dwellings declared and the sum insured set across both. A dual occ under a single roofline can be written as a free-standing home with two occupancies; detached dwellings are declared as two dwellings on the one policy. The occupancy mix decides which markets can write it. See our granny flat insurance and dual occupancy insurance pages for how each setup is structured.
Yes. A lot of our landlord clients hold multiple properties, and we manage them as a portfolio. Renewals are tracked, certificates issued on demand, and you've got one point of contact for everything. No dealing with separate insurers for each property. If you're building a portfolio or already hold several rentals, this is one of the main reasons investors come to us. For larger portfolios or higher-value commercial properties, an Industrial Special Risks (ISR) programme can consolidate everything under one policy.
Modern Australian duplex rental property with contemporary facade and secure fencing requiring landlord insurance coverage

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Last updated: 05/09/2026

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