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Landlord Insurance

Help protect your rental property with ANZ Landlord Insurance to cover theft, vandalism, fire damage and more. 

Includes cover for:

How to get a quote

ANZ Landlord Insurance Product Disclosure Statement – issued by CGU Insurance (PDF)

ANZ home, landlord and car insurance is proudly underwritten by CGU, part of Insurance Australia Group (IAG), Australia's largest insurer protecting half a million homes and over one million motor vehicles today. 

Why choose ANZ Landlord Insurance?

Cover for loss of rent

If your rental property is unliveable after an incident that has been agreed to be covered, you will have cover for up to 52 weeks of lost rent.disclaimer

Cover for natural disasters

Cover for loss or damage to your rental property and contents caused by flood, bushfires, storm and other natural disasters.disclaimer

Theft & vandalism cover

Included cover for damage and stolen items from theft and vandalism, including stolen keys.disclaimer

Pay your way

You can also choose to pay fortnightly, monthly or annually at no extra cost.

What is ANZ Landlord Insurance?

Choose from building only, contents only or combined cover.

ANZ Landlord Insurance covers the cost of repairing or rebuilding your rental property building and replacing your contents following an insured event up to the insured amount. This includes natural disasters, such as a bushfire, flood, earthquake or storm, as well as theft, vandalism and more.

What's included

Key benefits

key-benefits
  Building & Contents Building only Contents only
Loss of rentdisclaimer
Cover for flood, bushfire and other natural disastersdisclaimer
Theft and damage by occupantdisclaimer
Cover for accidental glass breakage
Cover for electrical motor burnoutdisclaimer
Cover for liabilitydisclaimer

Optional benefits

key-benefits
  Building & Contents Building only Contents only
Rent defaultdisclaimer

What's not included

Some things ANZ Landlord Insurance doesn't cover or include:

  • Actions of the sea, like sea waves, high tides and king tides.disclaimer
  • Damage caused by water leaking or escaping from a shower recess or shower base. CGU also doesn't cover the costs to repair or replace the item that the liquid leaked or escaped from.
  • Electric motors over 15 years after they were made or any motors covered by a warranty or used in your business.disclaimer
  • Loss or damage caused by tree cutting, lopping or felling, unless it was performed by a professional.
  • ANZ no longer offers Full Building Replacement. You are now covered up to your building sum insured.

How to apply

1. Be prepared

We'll need to ask you questions about when your property was built and what materials it's constructed from. Having this information handy will speed up the process.

2. Choose your level of cover

Tailor your policy to suit your needs by adding any optional benefits you require. You will need to check that the sums insured are enough to help rebuild your property or replace your contents. A calculator is available from the Insurance Council of Australia to help you determine your sums insured.disclaimerYou can choose to pay fortnightly, monthly or annually at no extra cost.

3. Get started

Once you are ready to complete a quote, call our customer service team on 13 16 14, available Monday to Friday, 8am to 8pm (Sydney/Melbourne time) or visit your nearest ANZ branch. ANZ customers with internet banking can also request a quote through Internet Banking.

Get a quote

Through Internet Banking

Log in to Internet Banking

Existing ANZ Internet Banking customers can get a quote by logging in to your Internet Banking and navigating to the 'Products and Offers' tab from your top menu. Click on the Insurance tab on the left-hand side and click on the Landlord Insurance product to get a quote. If you are an ANZ customer and not already registered with Internet Banking, click here to check your eligibility and register for Internet Banking

Visit or call us

Book an appointment

Find a location or specialist

Get a quote by visiting a branch. Book an appointment at your local branch or see a map of our branch locations. Or call our customer service team on 13 16 14, available Monday to Friday, 8am to 8pm (Sydney/Melbourne time).

You may also be interested in

Contents insurance

Illustration for contents insurance

ANZ Home Insurance with contents cover for renters:

  • Cover to help replace your belongings against theft, accidental loss and damage.

Tell me more

Home building and contents insurance

Illustration for Home and contents insurance

ANZ Home Insurance has a range of cover available for your property:

  • Building only
  • Contents only   
  • Building and Contents combined

Tell me more

Car insurance

Illustration for car insurance

ANZ Car Insurance has a range of cover available for you:

  • Comprehensive
  • Third Party Fire and Theft
  • Third Party Property Damage

Tell me more

Your questions answered

Landlord Insurance FAQs

Landlord insurance is specifically designed to protect your investment property from loss or damage when renting out your unit, apartment, or house. Landlord insurance can help protect you against insured events that lead to theft, loss or damage to your investment property and a loss of rental income.

You can choose different types of landlord insurance to provide cover for:

  • Building cover only: coverage for insured events that damage your property's structure.
  • Contents cover only: coverage for insured events related to the damage or theftdisclaimerof household goods that you own and have provided for your tenants use, within your rental property. This can also include things like carpets and curtains.
  • Combined building and contents: coverage for insured events related to both building and contents. For example, both your investment property and the contents inside it have coverage if they are damaged in a flood, fire, cyclone, earthquake, storm or other events.disclaimer

ANZ Landlord Insurance includes loss of rent if your rental property is so damaged by an insured event that it can’t be lived in by your tenant.disclaimer

Legal liability cover is also included, which insures you for claims made against you if you are legally liable for the death or injury of another person, or the loss or damage of another person's property. The cover varies depending on if you have buildings cover, contents cover or both.

If you have a mortgage on your property, most banks require you to take out a building insurance policy regardless of whether it is an owner occupied or an investment property. This helps protect you, as well as the financial institution, against the risks associated with building damage caused by natural events.disclaimerCheck with your mortgage provider if building insurance is a requirement under your mortgage or home loan policy.

What you are covered for will vary depending on your policy and choice of cover. A landlord policy can cover the costs associated with the loss or damage to your buildings and/or contents from an insurable event.

ANZ Landlord Insurance can cover the costs incurred from damage or loss to buildings and/or contents arising from insured events including:

  • accidental breakage of glass such as windows or mirrors
  • theft or attempted theft
  • damage caused by natural events, such as a bushfire, flood, cyclone, earthquake or stormdisclaimer
  • impact damage, such as damage caused by a falling tree

ANZ Landlord Insurance includes loss of rent if your rental property is so damaged by an insured event that it can't be lived in.disclaimerOptional rent default cover is also available, providing coverage if your tenant stops paying rent.disclaimer

ANZ Landlord Insurance also includes legal liability cover, which insures you for claims made against you if you are legally liable for the death or injury of another person, or the loss or damage of another person's property.

Cover varies depending on if you have building cover, contents cover or both.

For a full list of events covered by ANZ Landlord Insurance, as well as the terms, conditions and exclusions, please refer to the ANZ Landlord Insurance Product Disclosure Statement – issued by CGU Insurance.

Rental protection coverage varies between insurers, so it is recommended that you check your policy. ANZ Landlord Insurance provides cover for loss of rent in the event of the building becoming unliveable due to loss or damage from an insured event.disclaimer

Additionally, ANZ Landlord Insurance has the optional benefit of Rent Default cover, which provides cover if your tenant stops paying rent, leaves your rental property without giving you notice, or dies if they are the sole tenant.disclaimer disclaimer

As a landlord, it's important you have a rental agreement in place, so both parties understand the terms of the lease and exactly what's covered. Having a rental agreement is a requirement for many types of cover under an ANZ Landlord Insurance policy, including for optional rent default as well as damage by occupant coverage.

Making a landlord insurance claim can come at an extremely stressful time. With 24/7 claims lodgement over the phone, help is with you when you need it most.

To make a claim, call 13 16 14. Make sure you have your policy number handy.

Call 13 16 14

Your feedback regarding our performance is valued greatly. ANZ and CGU are committed to resolving any concerns you may have.

The customer service team is your first point of contact for any enquiries, raising concerns or providing feedback. They will do their best to resolve your concerns genuinely, promptly, fairly and consistently, and keep you informed of the progress.

If you wish to lodge a complaint or provide feedback, please visit the Complaints Resolution Centre.

Tips and Guides

Contact us

Call us

Call 13 16 14  

Visit us in person

Get a quote or apply by visiting your nearest ANZ branch

Find a location or specialist

Make a claim

Make sure to have your policy number handy.

To make a claim call 13 16 14 or visit our claims page for more information.

Visit our claims page

This information was published on 3 July 2023 and is subject to change.

ANZ Landlord Insurance is issued by Insurance Australia Limited (ABN 11 000 016 722, AFSL 227681) trading as CGU Insurance and distributed by ANZ under its own license. ANZ recommends that you read the ANZ Financial Services Guide (PDF), ANZ Landlord Insurance Target Market Determination (PDF), ANZ Landlord Insurance Premium, Excess and Discounts Guide (PDF) and ANZ Landlord Insurance Product Disclosure Statement (PDF) (available online or by calling 13 16 14) before deciding whether to acquire, or to continue to hold, this product.

ANZ Home Insurance is issued by Insurance Australia Limited (ABN 11 000 016 722, AFSL 227681) trading as CGU Insurance and distributed by ANZ under its own license. ANZ recommends that you read the ANZ Financial Services Guide (PDF), ANZ Home Building Key Facts Sheet (PDF), ANZ Home Contents Key Facts Sheet (PDF), ANZ Home Insurance Target Market Determination (PDF), ANZ Home Insurance Premium, Excess and Discounts Guide (PDF) and the ANZ Home Insurance Product Disclosure Statement (PDF) (available online or by calling 13 16 14), before deciding whether to acquire, or to continue to hold, this product.

ANZ Car Insurance is issued by Insurance Australia Limited (ABN 11 000 016 722, AFSL 227681) trading as CGU Insurance and distributed by ANZ under its own license. ANZ recommends that you read the ANZ Financial Services Guide (PDF), ANZ Car Insurance Target Market Determination (PDF), ANZ Car Insurance Premium, Excess and Discounts Guide (PDF) and ANZ Car Insurance Product Disclosure Statement (PDF) (available online or by calling 13 16 14) before deciding whether to acquire, or to continue to hold, this product.

Although Australia and New Zealand Banking Group Limited (ANZ) (ABN 11 005 357 522 AFSL 234527) distributes these products, ANZ does not guarantee or stand behind the issuers or their products.

This information is of a general nature and has been prepared without taking account of your personal objectives, financial situation or needs. Before acting on the information, you should consider whether the information is appropriate for you having regard to your objectives, financial situation and needs.

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If your building or contents are covered and your rental property is unliveable after an incident CGU have agreed to cover, CGU pay up to 52 weeks of lost rent. CGU will cover either the weekly rent listed on your certificate of insurance, or the weekly rent in your rental agreement, whichever is less. A valid rental agreement is required.

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CGU don't cover actions of the sea, like sea waves, high tides and king tides. Refer to the ANZ Landlord Insurance Product Disclosure Statement (PDF) for a full list of conditions, embargoes, limits and exclusions that apply.

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For 'Theft by Tenant' and 'Damage by Occupant' claims CGU will deduct from your claim four times the weekly rent amount shown on your rental agreement, in addition to the standard excess. A valid rental agreement is required. 

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CGU can cover electrical motors for up to 15 years after they were made, provided they are not covered by a warranty or used for a business, trade or profession.

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With rent default you only have this optional benefit under your policy if you have specifically chosen and paid an additional premium for it and it is shown on your certificate of insurance as added to the policy.

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These calculators are an approximate guide only and you still need to check that the sum insured is appropriate for you.

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CGU will deduct from your claim four times the weekly rental amount in addition to any excess that applies. A valid rental agreement is required. This cover is not available if a previous claim for rent default, theft or damage by tenant has been paid under the same tenancy. Police report number required.

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