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Landlord Insurance

Protect your investment property and landlord’s contents from insured events such as theft, fire, storm and malicious damage.


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Call us on 1300 1300 50

  • Cover for your investment property
  • Pay by the month at no extra cost5
  • Save up to 10% on your first year’s premium when you purchase a new landlord policy online1,4  


A residential investment property needs to be appropriately protected. Landlord insurance can give you the peace of mind and confidence that your property will be looked after should something go wrong. COTA Landlord Insurance covers the property and/or the contents you provide for your tenant’s use.


To help you decide the cover you need, Here’s a brief outline of the difference between buildings and contents cover.

Landlord Buildings

Designed to cover the physical structures that make up your property, like the house itself, garage, sheds, permanently installed swimming pools and decks.


Landlord Contents

Designed to cover items at your property – from furniture, white goods and removable domestic appliances and white goods which belong to you as the landlord and that you have provided for the use of your tenant. It also covers your carpets and window furnishings.


What events you’re covered for …

Whilst there are some things COTA Landlord Insurance does not cover, it will cover you for the damage to your insured property as a result of any of these insured events*:

  • fire or smoke (including bushfires7 and grassfires7)
  • storm, cyclone7, rainwater or run off
  • water or other liquid damage
  • theft or burglary
  • explosion
  • accidental breakage of glass or ceramic items
  • impact damage
  • vandalism or malicious damage
  • lightning
  • earthquake8 or tsunami8
  • riot or civil commotion

*For full details of the terms, conditions, limits and exclusions that apply, please refer to the relevant Product Disclosure Statement, any supplementary PDS and Landlord Buildings and Landlord Contents Key Fact Sheets.



Optional covers …

  • landlord workers’compensation cover
  • flood cover6



The better you understand your policy, the easier it will be if you ever have to claim.


Here is a limited summary of the benefits of a landlord insurance policy. For full details of the standard terms, conditions, limits and exclusions that apply please read the Product Disclosure Statement (PDS), any applicable supplementary PDS before making a decision to purchase the insurance. The Landlord Buildings and Landlord Contents Key Fact Sheets (KFS) also sets out some information about the cover.

Select the cover to suit your needs.

Effective 22 February 2021

Standard Cover

Cover for the unexpected COTA Landlord Insurance offers protection for your investment property for out of the ordinary but devastating events such as fire7, storm and burglary. check
Legal liability COTA Landlord insurance will cover your legal liability up to $20 million for payment of compensation relating to death, bodily injury or illness, and/or physical loss of or damage to property caused by an accident (or series of accidents). If you have contents cover only, it does not cover any legal liability you may incur as owner of the buildings unless the buildings are defined as a lot. check
Making your buildings environmentally friendly If your buildings are totally destroyed and need to be rebuilt, in addition to your buildings sum insured, COTA Landlord insurance will pay up to $5,000 (after deduction of any government or council rebates) to help you make the new buildings more environmentally friendly. check
Landlord contents  COTA Landlord Insurance will pay for repair or replacement of contents you own and provide for your tenant’s use as a result of an insured event. If you have buildings cover only, COTA Landlord Insurance will pay up to the lesser of $10,000 or the remainder of the sum insured after payment of the buildings claim, for certain landlords contents under this additional benefit. check
Rental costs after an insured event If your buildings are damaged by an insured event and can’t be lived in by your tenant, or, access to or use of the buildings is not possible after an insured event COTA Landlord Insurance will pay for your loss of rent on the buildings for up to 12 months if you have buildings cover or if your building is part of a strata title development and you have contents cover only. check
Rebuilding and professional fees If you need to rebuild your buildings after total loss or damage, COTA Landlord Insurance will help pay the reasonable costs of architects, engineers, surveyors and solicitors up to $5,000. check
Debris removal COTA Landlord Insurance will cover up to 10% of the building and/or contents sum insured for removing debris from your insured address if your buildings are damaged or destroyed by an insured event. check
24/7 claims lodgement When you need to make a claim Allianz are there for you with 24 hour claims lodgement available online, or you can call the claims line to commence the claims process over the phone. check
Contents in the open air at the insured address COTA Landlord Insurance will cover contents in the open air (that you own and that you have provided for your tenants use) which have been lost or damaged by an insured event covered by your policy, up to a maximum amount of $1000. check

Optional Covers

Apply to add any of these optional covers for an additional premium and greater cover.
Landlord workers’ compensation cover Cover for the compensation amount you are liable to pay if you employ a domestic worker and they are injured while working for you at the insured address. Only available in ACT, WA and TAS optional
Rent default & theft by tenant

Option to be covered for loss of rent due to specified rental defaults, up to $10,000 in total for all claims during the period of insurance.

Cover for loss or damage to your insured buildings or contents caused by theft, burglary or housebreaking committed by your tenant or invitees of your tenant.

Flood cover Flood cover may be available as an optional cover to your buildings and/or contents. A 72 hour exclusion period applies. optional



What does Landlord Insurance cover?

Buildings – what’s covered Contents – what’s covered
Buildings insurance is designed to protect the physical structures and fixtures that make up your buildings: from the house itself, to the garage, fences and paved driveways – even built-in appliances like showers and baths, hot water systems, air-conditioners and more. Contents insurance protects the belongings you have at the insured address that you have provided for the use of your tenant: from your furniture, carpet and appliances and even your BBQ. So, if any of the insured events happen during the period of insurance, we’ll generally pay to repair or replace your contents – up to the policy limits.

It’s up to you to decide the sums insured, and the type and level of cover that you want to take out. People generally want enough insurance to cover the property’s estimated replacement value. If you don’t have enough cover, you could end up having to cover some of the costs yourself. Remember, Allianz will only pay up to the amount of your loss or the sum insured, whichever is the lesser (subject to the policy terms and conditions) – so you should also be careful not to over insure. That’s why we’ve provided these calculators. They work as guides to help you estimate the replacement value of your landlord building and contents.


 Building replacement calculator
Value my Home

 Contents replacement calculator
Value my Contents



Need to make a claim?

Click here for details on how to lodge a landlord insurance claim


If you purchased home or landlord insurance before 16 December 2019, please refer to the relevant Product Disclosure Statements, any applicable supplementary PDS and Buildings or Contents Key Fact Sheet/s.

Landlord Insurance PDS and Landlords Buildings and Landlords Contents Key Fact Sheets.

We do not provide advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision please refer to the relevant Home or Landlord Product Disclosure Statement (PDS) any applicable supplementary PDS and Home Buildings, Home Contents or Landlords Buildings, Landlords Contents Key Fact Sheets also available for reference.

Insurance and Membership Services Limited, ABN 59 057 159 743 AR Number 246235 trading as COTA Insurance arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the Product Disclosure Statement and key fact sheets available from or by calling 1300 1300 50. The relevant Target Market Determination is available by calling 1300 1300 50. If you purchase this insurance, we will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with services. 1. Online discount [Home} When you buy a new home insurance policy online a discount of up to 10% is applied to your first years premium including the following optional covers (if selected); Flood & Rent Default and Theft by Tenant. This discount is not applied on renewal. 2. Combined [Applies to Home & Contents only] A discount of up to 10% for combining Buildings and Contents covers on one policy is applied for Building and Contents, Motor Burnout and Accidental damage cover where applicable. The combined policy discount does not apply to the optional Flood or Portable Contents covers. This combined discount does not apply to Landlord Insurance policies. 3. No Claims Bonus When you take out a new policy, we calculate your No Claims Bonus (NCB) based on your home or landlord (as applicable) insurance claims history. To qualify for the maximum No Claim Bonus of 30%, home insurance customers must have had no Building or Contents insurance claims in the preceding 5years. Landlord customers must have had no Landlord insurance claims in the preceding 3 years. However, customers who have had claims may still qualify for a reduced No Claim Bonus. 4. Minimum premiums If you are eligible for more than one discount, Allianz applies them in a predetermined order. This means any subsequent discount will be applied to the reduced premium amount after applying any prior discounts and the effect of the subsequent discount will be reduced. For example, the aggregate effect of applying two 10% discounts consecutively means that you will not see the full benefit of both these discounts. Discounts do not apply to taxes or government charges. Discounts do not apply to optional covers for Domestic workers' compensation / Landlord workers compensation, and may not apply to other optional covers (if available and selected). Any discounts/entitlements may be subject to rounding and may only apply to the extent that any minimum premium is not reached. 5. Option to change your excess Not available when an additional compulsory excess or imposed excess applies. Minimum Premiums apply. 6. Instalment premiums If you choose to pay your premium by instalments you do not pay us any more than if you pay your premium in one lump sum annually. The premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding. Note: Your financial institution may apply transaction fees to instalment payments. 7. 72 hour waiting period We do not provide cover for any loss of or damage to your property caused by cyclone, grassfires and bushfires, during the first 72 hours after you first purchase a policy or increase your cover under an existing policy. 8. Earthquake excess An additional imposed excess amount of $250 applies for each claim or loss or damage caused by an earthquake or tsunami, or a series of earthquake or tsunamis, during any period of 48 consecutive hours. For full terms, conditions and exclusions about our home insurance please refer to the Product Disclosure Statement (PDS).

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