Landlord insurance, building cover, and rental income protection for Queensland property investors — structured around what actually happens when things go wrong with tenants.
These are the exposures that regularly catch Landlords & Residential Investors off guard — often because they weren't on anyone's radar until a claim was already underway.
Home and contents insurance is designed for owner-occupiers. The moment you rent a property out, you change its classification and most standard home policies either exclude the risk or respond very differently than you'd expect at claim time.
Bonds cover limited damage — but a tenant who deliberately damages or neglects a property can cause losses far exceeding what the bond recovers. Malicious damage coverage under a landlord policy fills this gap directly.
If a fire, storm, or flood makes your property uninhabitable for weeks or months, your rental income stops — but your mortgage doesn't. Rental loss cover pays your rental income while the property is being repaired.
As a property owner, you have a duty of care to anyone who enters the premises — including tenants, their visitors, and tradespeople. If someone is injured due to a defect you were responsible for, the liability claim flows to you personally.
Building replacement costs in Queensland have risen significantly. Many investment properties are insured at values set years ago — meaning a total loss from storm, fire, or flood could leave a material gap between the insurance payout and the actual rebuild cost.
For units and apartments, the body corporate policy covers the building structure — but it may not cover your fixtures, fittings, or liability as an individual owner. Understanding what the strata policy covers versus what you need personally is often misunderstood.
The insurance products most relevant for Landlords & Residential Investors — placed through insurers we deal with regularly.
The core product for residential investors. Covers tenant damage (including malicious damage), loss of rent, legal liability as a property owner, and building damage from insured events.
Covers the physical structure against fire, storm, flood, impact damage, and other insured perils. We review the sum insured against current replacement costs at every renewal.
Pays your rental income for a defined period when the property is uninhabitable following an insured event — or when a tenant defaults on rent in specified circumstances.
Covers your legal liability as a property owner for injury or damage to third parties arising from the property — including visitors, contractors, and tenants.
Three reasons to consider using a broker rather than buying direct.
Queensland replacement costs have risen. We review your building sum insured against current construction costs at each renewal, so you can consider whether it is adequate.
Landlord insurance products vary significantly in what they cover for tenant damage, rent default and malicious damage. We read the PDS and discuss the wording with you.
As your portfolio grows, we can help coordinate your insurance rather than you juggling separate policies across different insurers, with one renewal and one contact.
Tell us about your situation and a broker will come back to you — no jargon, no pressure, no obligation.
General advice warning: any advice we provide is general in nature and does not take into account your objectives, financial situation or needs. Before acting on it, consider whether it is appropriate for you and read the relevant Product Disclosure Statement and our Financial Services Guide.
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