Landlord insurance
to protect your
property
Landlord insurance to protect your property
Landlord insurance:
Coverage that stays by your side
As a landlord, your property isn’t just an investment, it’s part of your future. But what happens if the unexpected strikes? Maybe you worry about a tenant damaging the property or the costs you’d face if rental income was suddenly interrupted. At iinsure, we understand those concerns, and we’re here to make sure you have the protection you need to feel secure.
Our landlord insurance brokers are committed to providing personalised landlord insurance solutions for property owners, helping you navigate the risks and focus on what matters. With access to over 150 insurers as part of the Steadfast network, we find policies that offer comprehensive coverage for your unique needs—at competitive prices. We work with you, not the insurers, to negotiate the best terms, so you’re confident that your policy fits you perfectly.
With us, you get more than just coverage—you’re partnering with a team ready to support you if things don’t go as planned. Our dedicated claims team is here to make the claims process as simple and smooth as possible, taking on the stress so you don’t have to. When you need to file a claim, we guide you through each step to help secure the best financial outcome quickly.
Why choose
an iinsure
Broker?
At iinsure, we’re a team with decades of experience and a deep understanding of the insurance world. Our clients know they can trust us to stay on top of their coverage with annual policy reviews and hands-on support, all aimed at keeping their investment protected as it grows. And because we’re part of your community, we’re just a phone call away, ready to provide you with unbiased advice whenever you need it.
Our team holds respected industry credentials (NIBA, ANZIIF), so you can be confident you’re in capable hands. Whether you’re insuring your first rental property or want a fresh look at your existing policy, we take the time to understand your needs and find the right coverage.
Landlord insurance that gives you peace of mind
Landlord insurance is more than just a policy—it’s peace of mind. Let us help you secure your insurance coverage, so you can focus on growing your investment. Reach out today, and let’s find the perfect coverage for your property.
I appreciate all the information that I have received from iinsure regarding my landlord policies. Communication with them has always been very good and I am happy to deal with any one of their team members.
Marco
FAQ’s
What is Landlord Insurance?
Landlord insurance is a special type of property insurance designed for owners of rental properties. It goes beyond a standard homeowner’s policy, giving you protection against the unique risks of renting out your property. Think of it as a safety net that helps you manage unexpected events and keeps your investment secure.
What types of properties does Landlords Insurance cover?
Landlord insurance can cover a range of residential rental properties, including houses, apartments, and units. Whether you own a single-family home or a multi-unit building, there’s a policy tailored to protect your investment.
What is covered under Landlord Insurance?
Landlord insurance is designed to cover the risks that come with renting out a property:
Property damage: Repairs or replacement costs for damage caused by fire, storms, flood, vandalism, or theft.
Loss of rental income: If your property becomes uninhabitable due to an insured event, this cover compensates for lost rent so your cash flow isn’t disrupted.
Legal liability: Covers legal and medical costs if a tenant or visitor is injured on your property and you’re held responsible.
Landlord’s contents: Protects items you provide for tenants, such as appliances, furniture, and carpets.
Tenant damage: Covers damage caused by tenants or their guests, including malicious damage or vandalism.
Rent default: When a tenant fails to pay their rent as agreed in their lease or rental contract. This applies to long term contracts only.
Legal costs: Some policies offer optional coverage for legal expenses if disputes arise with tenants.
What are the standard exclusions of Landlord Insurance?
While landlord insurance is comprehensive, there are a few things it typically doesn’t cover:
- Temporary accommodation costs
- Rent default for short-term rentals
- Damage caused by tenants’ pets
- Tenants’ personal belongings
- Routine wear and tear or standard maintenance
- Damage resulting from poor quality repairs or negligence
What is the claims process for Landlord Insurance?
Making a claim doesn’t need to be stressful. Here’s how it usually works:
- Notify the insurer immediately about the event or damage.
- Document everything – photos, videos, and inventories help your claim.
- Emergency mitigation to prevent further damage.
- Submit your claim with all supporting documents.
- Assessment by an insurance adjuster to evaluate the damage.
- Settlement and negotiation to ensure fair compensation.
- Payment and recovery, including repairs or replacement.
At iinsure, our in-house claims team works directly with insurers on your behalf. We handle negotiations, follow-ups, and advocacy to make sure you’re treated fairly and get the compensation you need. For serious damage, we can also arrange emergency services and temporary repairs to minimise disruption and protect your property.
What are the benefits of using a broker?
When it comes to protecting your investment propertu, working with a broker like iinsure provides significant advantages that you simply cannot access when dealing directly with insurance companies.
Access to Extensive Insurer Networks
One of the most compelling reasons to use a broker is market access. iinsure provides access to over 150 insurers through their Steadfast Network advantage, giving you unparalleled market access and negotiating power.
Expert Guidance and Tailored Solutions
Insurance needs vary dramatically between landlords, and a broker’s expertise becomes invaluable in navigating these complexities: Brokers help assess your income replacement needs, specific risks, and budget constraints to find policies that fit your specific situation without overextending financially.
Independent Advice
As an independent broker, our loyalty lies with you, not insurance companies. This means objective advice and representation of your interests when selecting policies and managing claims.
Ongoing Support
Unlike direct purchases, brokers provide continuous policy reviews and support as your needs evolves, ensuring your coverage remains appropriate across all three insurance types.