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Landlord Insurance


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Reasons to choose COTA Landlord Insurance

ico-checkrent default option
We will cover the rent you lose due to reasons such as if your tenant fails to pay their rent or departs without notice.
ico-checkcover for malicious acts by your tenants
Including structural damage or the cost to redecorate following graffiti.
ico-checkpay by the month at no extra cost
We don’t charge you any extra to pay your premium in monthly instalments*.
ico-check$10,000 of contents cover automatically included in your buildings policy
When you choose a buildings only policy we will automatically cover your contents for up to $10,000 including carpets, blinds and curtains, furniture and fixtures and fittings.




fire Loss or damage caused by fire or smoke. Including bushfire.
storm, rainwater or run-off Loss or damage caused by violent wind (including cyclones and tornadoes), thunderstorms and hail which may be accompanied by rain or snow. Rainwater or run-off including overflow from swimming pools or spas.
theft Theft, burglary or housebreaking.
earthquake Damaged caused by an earthquake.
tsunami Damage caused by tsunami.
impact damage Impact from such things as a road or rail vehicle, a watercraft, an external aerial which collapses or breaks, an animal other than a pet, falling trees, an aircraft or space debris.
malicious acts Including those caused by your tenant. Including structural damage or the cost to redecorate following graffiti.
lightning Lightning or thunderbolt.
riot Riot or civil commotion.
water damage Water or other liquid damage resulting directly from the bursting, leaking or overflow of items such as dishwashers, washing machines, fixed tanks or fixed pipes.
accidental glass breakage  If you have buildings cover – breakage of glass or ceramic items permanently fixed to the building, such as glass or ceramic cooktops, basins, baths, toilets. If you have contents cover – glass forming part of your furniture.
explosion  Explosion.

Included extras


legal liability Cover for injury to other people or damage to their property. Up to $10,000,000.
landlords contents Furniture, fixtures and fittings, carpets, loose floor coverings, curtains and blinds. Up to $10,000. (When you have buildings cover only). 
fusion If an electrical current damages a household electrical motor.
replacement of locks If the keys to the external locks are stolen or you believe they may have been duplicated. Up to $500.
rental costs We will pay you for loss of rent if your tenant can’t live in the building due to damage after an insured event. Up to 12 months.
contents in the open air Cover for items while they are outside, at your insured address. Such as in the open air or under a carport or patio/verandah. Up to $200. (When you have contents cover). No excess applies. 

Optional additional cover



rent default and theft by tenant Cover for theft committed by your tenant or invitees of your tenant. If your tenant fails to pay their rent or departs without notice, death of a sole tenant or tenant hardship. Up to $10,000. Also covers associated legal costs up to $3,000.
landlord workers compensation The amount you are liable to pay if you employ a person to do work around your rental property and they are injured while working for you. Available in ACT, TAS & WA.
flood Where normally dry land is covered by water that has escaped or been released from the normal confines of any of the following: a lake (whether or not it has been modified), a river (whether or not it has been modified), a creek (whether or not it has been modified), another natural watercourse (whether or not it has been modified), a reservoir, a canal or a dam. Note: this is different from ‘storm’ and ‘water damage’ listed above.

For detailed information on the cover and limits provided you should read the Landlord Insurance Product Disclosure Statement.

To review the Key Facts Sheets available for our landlord building and/or contents covers click here.




*Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply. **Discounts (if applicable) may not be applied to any flood component of the premium (if this optional cover is taken out).

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