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ANZ Landlord Insurance

#RentalFails - are you covered?

Protect your investment with cover for things like accidental glass breakage, impact by a vehicle, and loss or damage caused by natural disasters or disastrous tenants.

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Protect your investment property from these #RentalFails

You wouldn’t believe what happens next. See why it’s important to consider protecting your property with landlord insurance with these ‘#RentalFails’ videos that show some of the crazy things your tenants could get up to or some of the extreme weather that could hit your investment property in Australia.

View more #RentalFails

Why choose ANZ Landlord Insurance?

Full building replacement

Our cover includes full building replacementdisclaimer, which means we’ll pay the amount required to rebuild or repair your home to the condition it was before the damage occurred.

Easy claims process

Lodge a claim 24/7, and speak to us over the phone from 8am-7pm (Sydney/Melbourne time) via our claims centre, operated by QBE Insurance (Australia) Limited, the product issuer.

ANZ discounts

Take out two or more home, landlord or car insurance policies and get a multi-policy discount disclaimer up to 10% off for two eligible policies and 12.5% off premiums for three or more eligible policies.

Optional rent default

Helps protect your rental income when your tenant leaves early and without notice. This is only available for long term rental properties with a formal lease.


What's covered

Key benefits

Buildings & contents

Buildings only

Contents only

Full building replacementdisclaimer
 


Cover for loss of rentdisclaimer

Rent default

Optional

Optional

Optional

Cover for vandalism or malicious actsdisclaimer

New for old contents replacement, regardless of agedisclaimer


Cover for flood, bushfire and other natural eventsdisclaimer

  •  

Cover for accidental glass breakage

 


What's not covered?

Some things we don’t cover include:

  • Loss or damage caused by actions of the sea, such as storm surge and tidal waves.
  • Loss or damage caused by maintenance or repair carried out by tenants, or on their behalf.
  • Loss or damage to furniture, clothing and personal items, owned by the tenant.
  • Previous damage that has not been repaired.
  • Theft by a tenant or their visitors if your rental property is a formal lease and does not have a valid rental agreement or periodic tenancy agreement in force at the time of the theft.
  • Loss or damage caused by pets belonging to tenants or paying guests, or their visitors.
  • Loss or damage caused by erosion, rust, corrosion, gradual deterioration, or wear or tear.

Policy documents

Please read the ANZ Landlord Insurance Product Disclosure Statement (PDF 709 kB) for the full terms, exclusions and conditions.

How to get a quote

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. Get started

It takes less than 10 minutes to complete a quote online, over the phone or in a branch.

Get a quote online

Call 13 16 14  

Mon to Fri 8am to 8pm (Sydney/Melbourne time)

Find my closest branch

3. Tailor your cover

Our policies are flexible so you can tailor your policy to suit your needs. Consider choosing a higher excess to reduce your premium. You can also choose to pay fortnightly, monthly or annually at no extra cost.

Play these #RentalFails

These viral videos had everyone cracking up... except the landlords! If they had ANZ Landlord Insurance, they could protect their investment property for what happens next...

 

#RentalFails - Exercise Balls, Bored Tenants, and Glass

#RentalFails - The pizza was a little too reheated

#RentalFails - She broke more than a sweat

#RentalFails - Popped a wheelie and something else

#RentalFails - Hail the size of baseballs

#RentalFails -  A little too good at golf

Landlord insurance common questions and guides

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 protect you against insured events that lead to theft or damage to your investment property and a loss of rental income.

Your landlord insurance can be tailored to provide cover for:

  • Buildings cover only: coverage for insured events that damage your property’s structure.
  • Contents cover only: coverage for insured events related to the damage or theft of household goods that you own and have provided for your tenants use, within your rental property. This can also include things like carpets and floating floorboards.
  • Combined buildings and contents: coverage for insured events related to both buildings and contents. For example, depending on your policy, you may be covered if your investment property, or the contents inside it, are damaged in a flood, fire, cyclone, earthquake, storm or other events.

Landlord insurance can also provide protection against the risks that come with renting out your property. 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.

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.

For a full list of events covered by ANZ Landlord Insurance, please refer to the ANZ Landlord Insurance Product Disclosure Statement (PDF 709 kB).

 

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.

Check with your mortgage provider if building insurance is a requirement under your mortgage or home loan policy. Let your insurer and mortgage provider know if your circumstances change, such as if you decide to start renting out your primary residence.

Learn more about the importance of landlord insurance.

Contact your insurer as soon as possible. For ANZ customers, you can make a landlord insurance claim 24/7 by completing the claim form online or speak to us over the phone by calling 13 16 14 from 8am-7pm Sydney time. ANZ Claims Assistance Service, is operated by QBE Insurance (Australia) Limited, the product issuer.

Your landlord insurance provider will ask you a series of questions about the loss or damage. To avoid delays, make sure you’ve got all the necessary supporting information before submitting your claim:

  • Have your policy number handy
  • Gather the date and details of the event that’s led to you making a claim
  • Collect any supporting documents. This may include photos of damaged items or receipts of purchased items. Depending on the nature of your claim, you may need to provide a copy of a current and valid tenancy agreement
  • In the event of a theft, you should contact the police to report the incident. The police will provide an event report number which you may need for your claim

Depending on the extent of the loss or damage, an assessor may be sent to inspect your property. They may also arrange for qualified tradespeople, such as builders, plumbers or electricians to inspect your property and to provide quotes for repairs. Alternatively, you may be asked to obtain your own quotes for repairs.

It is important not to authorise any repairs to the property or replace any contents until talking to your insurance provider, unless it’s an emergency.

Learn more about how to make a landlord insurance claim.

For more information on how to make a landlord insurance claim, including how claims are settled and associated conditions, please refer to the ANZ Landlord Insurance Product Disclosure Statement (PDF 709 kB)

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Just bought an investment property? Congratulations! The next step is finding a good tenant.

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Landlord Insurance FAQs

Find answers to common landlord insurance questions. Read our FAQs on what may be covered, rental income protection, holiday rentals and more.

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Why is landlord insurance so important?

Buying an investment property is an exciting step, but it’s important to protect it with landlord insurance.

Get in touch

Get a quote online

Get a quote in less than 10 minutes and apply today.

Get a quote online

Talk to us

If you have any questions, our customer service team is here to help.

Call 13 16 14  

Mon to Fri 8am to 7pm (Sydney/Melbourne time)

Use the app

ANZ customers can browse and buy insurance in the ANZ App (iOS only).

Visit a branch

Drop in and chat with one of our friendly branch staff

Find a branch

Product Disclosure Statement

For new policies commencing from 12 June 2021 (inclusive) or policies renewing from 16 August 2021 (inclusive) you should have the following document:

• QM2089-0621 ANZ Landlord Insurance Product Disclosure Statement (PDF 709 kB)

For policies commenced before 12 June 2021 or policies renewed before 16 August 2021 you should have the current following document:

• QM2089-1117 ANZ Landlord Insurance Product Disclosure Statement (PDF 421 kB)

How to make a complaint, compliment or provide feedback

We value your feedback regarding our performance and we’re committed to resolving any concerns you may have. 

Talk to us

Our customer service teamdisclaimer is your first point of contact for any enquiries, raising concerns or providing feedback. Our contact details are below. We will do our best to resolve your concerns genuinely, promptly, fairly and consistently, and keep you informed of the progress.

If you are not satisfied with the response to your complaint or feedback, your concerns will be escalated to our Complaints Resolution Centre.

Call us

Email us

anzinsurance@qbe.com

Write to us

Customer Care
PO Box 213
Parramatta, NSW, 2124

   

External dispute resolution

If your concerns have not been resolved to your satisfaction, you can lodge a complaint with the Australian Financial Complaints Authority (AFCA) who provides fair and independent financial services complaint resolution that is free to consumers. 

Time limits may apply to complain to AFCA and so you should act promptly or otherwise consult the AFCA website to find out if or when the time limit relevant to your circumstances expires.The AFCA contact details are:

Call

1800 931 678 on weekdays (except on public holidays) from 9am to 5pm (AEST)

Email

info@afca.org.au

Write to   

Australian Financial Complaints Authority
GPO Box 3
Melbourne, Victoria, 3001

Visit online

afca.org.au

   

This information was published on 12 July 2021 and is subject to change.

ANZ Landlord Insurance is issued by QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239 545) (QBE) and distributed by ANZ under its own license. ANZ recommends that you read the ANZ Financial Services Guide (PDF 179kB)ANZ Landlord Insurance Target Market Determination (PDF 208kB) and ANZ Landlord Insurance Product Disclosure Statement and Policy Document (PDF 709kB) (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.

ANZ’s multi policy discount (MPD) is only available if you hold two or more of any of the following policies and are a named insured with the same name on each policy: ANZ Home Insurance, ANZ Landlord Insurance and ANZ Car Insurance (Eligible Policies). For two Eligible Policies, the MPD is 10%; for three or more the MPD is 12.5%. The MPD is calculated as a percentage discount of the annual base premium per policy. If you already hold one or more Eligible Policies, the MPD is applied to the newest policy immediately, and for existing policies upon next renewal. If you do not hold any Eligible Policies with us and purchase multiple Eligible Policies simultaneously, no MPD is applied to the first policy, a 10% MPD is applied to the second, a 12.5% is applied to each policy thereafter, and the relevant MPD of 10% or 12.5% will be applied to all policies (including the first) on renewal. The MPD rate is subject to change.

Discounts are applied across all premium components and are calculated before taxes and charges.

The ANZ App is provided by ANZ.  Super, Shares and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. ANZ recommends that you read the ANZ App Terms and Conditions available at anz.com and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

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If your building is totally destroyed by an insurable event and your claim is accepted, we’ll choose to either rebuild or pay you the cash equivalent. Full building replacement cover will apply unless the buildings are in a dilapidated condition at the time of a claim. In this case we may settle your claim for a reduced amount in accordance with our legal rights.

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ANZ’s multi policy discount (MPD) is only available if you hold two or more of any of the following policies and are a named insured with the same name on each policy: ANZ Home Insurance, ANZ Landlord Insurance and ANZ Car Insurance (Eligible Policies). For two Eligible Policies, the MPD is 10%; for three or more the MPD is 12.5%. The MPD is calculated as a percentage discount of the annual base premium per policy. If you already hold one or more Eligible Policies, the MPD is applied to the newest policy immediately, and for existing policies upon next renewal. If you do not hold any Eligible Policies with us and purchase multiple Eligible Policies simultaneously, no MPD is applied to the first policy, a 10% MPD is applied to the second, a 12.5% is applied to each policy thereafter, and the relevant MPD of 10% or 12.5% will be applied to all policies (including the first) on renewal. The MPD rate is subject to change.

Discounts are applied across all premium components and are calculated before taxes and charges.

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Conditions and exclusions apply. Please refer to ANZ Landlord Insurance PDS (PDF 709 kB) for further details. For example, we cover up to a maximum of 12 month's rent, limited to a maximum of $52,000, if your building (or sections) become uninhabitable as a result of loss or damage suffered by an insured event.

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Except where it’s done by you or someone else on your behalf, or tenants (except as provided in the ANZ Landlord Insurance Product Disclosure Statement (PDF 709 kB)). We won't provide cover if the property is unoccupied for more than 120 consecutive days, however cover can be requested for extended unoccupancy beyond 120 days. We will assess any changes to the risk in accordance with our underwriting rules and processes at the time.

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If your contents suffer loss or damage in an insured event and your claim is accepted, we’ll choose to either: repair or replace an item; or pay the cost of its replacement or repair. Subject to total contents sum insured and any applicable limits. Refer to the ANZ Landlord Product Disclosure Statement (PDF 709kB) for a full list of conditions, limits and exclusions that apply.

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Conditions apply if damage occurs within 48 hours of the start of your policy. Refer to the ANZ Landlord Insurance Product Disclosure Statement (PDF 709kB) for full terms and conditions.

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