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Landlord Insurance

Insurance that protects what matters most

Help protect your rental property with ANZ Landlord Insurance, which provides cover for theft, vandalism, fire damage and more.

Includes cover for:

Get a quote

ANZ Landlord Insurance Product Disclosure Statement (PDF) For new policies purchased from 14 June 2026 (inclusive) or policies renewing from 26 July 2026.

Logos of ANZ and CGU

ANZ Home, Landlord and Car Insurance is proudly underwritten by CGU, part of Insurance Australia Group (IAG), Australia's largest insurer protecting half a million homes and over one million motor vehicles today.

Why choose ANZ Landlord Insurance?

Cover for natural disasters

Protection for loss or damage caused by insured events such as storms, bushfires, floods and rainwater run-off.disclaimer

Loss of rent during repairs

CGU will pay up to 12 months of rent if your property becomes unliveable after an insured event.disclaimer

Safety Net (optional benefit)

If the cost to repair or rebuild your home is higher than your Building Sum Insured, CGU will pay up to 25% extra to help cover the gap.

Landlord furniture and furnishings cover

For non-strata properties, CGU cover landlord-owned furniture and furnishings supplied for tenant’s use under building insurance, up to 10% of the Building Sum Insured. For strata properties, this cover is available under contents insurance.

Choose your level of cover

Landlord Building and Contents

Essential cover for both the building and landlord-owned contents at your rental property.

Best for:

  • Landlords who want cover for both their building and landlord-owned contents. 

Landlord Contents

Cover for landlord-owned contents only, for properties where the building is insured under a strata or similar scheme.

Best for:

  • Landlords who want cover for loss or damage to the items provided for tenant’s use, such as carpets and blinds. 

Landlord Buildings

Cover for the building structure only, including fixed items attached to the property, such as awnings.

Best for:

  • Landlords who want cover for the building structure only. 

What's included?

benefits

What’s covered

Benefit

Building & Contents 

Building only

Contents only

Loss of rentdisclaimer

Covers rent for up to 12 months if your property becomes unliveable after an insured event.

Cover for flood, bushfire and other natural disastersdisclaimer

Cover for loss or damage to your belongings caused by natural disasters, such as floods and fires (including bushfires).

Theft and damage by occupantdisclaimer

Loss or damage caused by theft or attempted theft.

Cover for accidental glass breakage

Cover for accidental breakage of fixed glass, basins, sinks, baths and toilets damaged by a tenant or other visitors.

Landlord furniture and furnishings – non-strata scheme

For non-strata properties, CGU cover landlord-owned furniture and furnishings supplied for tenant’s use, up to 10% of the Building Sum Insured.

  

Landlord fixtures – strata scheme

For properties under a strata scheme, CGU cover contents such as built-in furniture, cupboards, hot water services and shower screens for loss or damage.

    

Electric Motor Burnoutdisclaimer

Burnout of eligible motors in fixed home systems.

Cover for liabilitydisclaimer

Covers your legal liability for death or bodily injury to someone else, and loss or damage to someone else’s property.

Optional benefits

benefits

What’s covered

Benefit

Building & Contents 

Building only

Contents only

Safety Net

CGU will pay up to 25% extra if the cost to repair or rebuild your home is higher than your Building Sum Insured.

  

Rent defaultdisclaimer

Cover for the weekly rental amount your tenants should have paid, less any applicable excess or bond.

This table summarises headline benefits only. For full details and limits, always read the PDS.

What's not included?

Some things aren’t covered, such as:

  • Damage caused by actions of the sea, such as tides and waves.
  • Damage caused by any animal that you, your tenant or anyone else who lives at the rental property has allowed into your home.
  • Water leaking or escaping from a shower recess or shower base (including the cost to repair the item the water leaked from).
  • Electric motors over 15 years old, or motors covered by a manufacturer’s warranty or used for business purposes.

See the Product Disclosure Statement (PDS) for full limits, conditions and exclusions.

View CGU policy documents

For new policies purchased from 14 June 2026 (inclusive) or policies renewing from 26 July 2026.

Refer to these important documents for full details including limits, conditions and exclusions and to decide if this product is right for you.

ANZ Landlord Insurance Product Disclosure Statement (PDF)

ANZ Landlord Insurance Premium, Excess and Discounts Guide (PDF)

ANZ Landlord Insurance Target Market Determination (PDF)

For policies purchased before 14 June 2026 or policies renewed before 26 July 2026, refer to Partner policy booklets | CGU Insurance

Tips for choosing cover

  • Check the replacement costs for your building and contents: Estimate how much it would cost to rebuild your property and the value of your contents with CGU’s Building and Contents calculator.disclaimer
  • Consider what you need to insure at the property: Think about whether you need cover for the building, landlord-owned contents, or both, especially items you’ve provided for your tenant’s use, such as carpets, curtains or appliances.
  • Check whether optional benefits suit your situation: Depending on your circumstances, optional cover like rent default or the Building Safety Net can provide extra protection if your tenant stops paying rent or rebuilding costs exceed expectations.
  • Think about loss of rental income: If your property becomes unliveable after an insured event, loss of rent can help protect your income while repairs are underway.
  • Consider the type of property you’re renting out: Non-strata properties may require a mix of building and contents cover, while strata properties may require only contents cover. 

Get a quote

Already have an account with us?

Go to ANZ Internet Banking

Existing ANZ Internet Banking customers can get a quote by doing the following:

  1. Log in to your Internet Banking
  2. Navigate to the ‘Products & Offers’ tab

If you're an ANZ customer and not already registered with ANZ Internet Banking, click here to check your eligibility and register for Internet Banking.

New to ANZ?

Get a quote online

If you’re new to ANZ, or not registered with ANZ Internet Banking, you can get a quote online.

Call us or visit a branch

To get a quote, apply or for general enquiries:

Call us on 13 16 14 Mon-Fri 8.00am to 8.00pm (Sydney/Melbourne time)

Book an appointment or find an ANZ branch near you.

You may also be interested in

Home Building and Contents Insurance

ANZ Home Insurance has a range of cover available for your property:

  • Building only
  • Contents only   
  • Building and Contents combined

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Contents Insurance

ANZ Home Insurance with contents cover for renters:

  • Cover to help replace your belongings against theft, accidental loss and damage.

Tell me more 

Car Insurance

ANZ Car Insurance has a range of cover available for you:

  • Comprehensive
  • Third Party Fire and Theft
  • Third Party Property Damage

Tell me more 

Landlord Insurance FAQs

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

You can choose different types of Landlord Insurance to provide cover for:

  • Building cover only: cover for insured events that damage your property's structure.
  • Contents cover only: cover for insured events related to the damage or theftdisclaimerof household goods that you own and have provided for your tenant's use, within your rental property. This can also include things like carpets and curtains.
  • Combined building and contents: cover for insured events related to both building and contents. For example, both your investment property and the contents inside it have cover if they are damaged in a flood, fire, cyclone, earthquake, storm or other events.disclaimer

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 by your tenant.disclaimer

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.

If you have a mortgage on your property, most banks require you to take out a building insurance policy regardless of whether it is 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.disclaimerCheck with your mortgage provider if building insurance is a requirement under your mortgage or home loan policy.

What you are covered for will vary depending on your policy and choice of cover. A landlord policy can cover the costs associated with the loss or damage to your buildings and/or contents from an insurable event.

ANZ Landlord Insurance can cover the costs incurred from damage or loss to buildings and/or contents arising from insured events including:

  • accidental breakage of glass such as windows or mirrors
  • theft or attempted theft
  • damage caused by natural events, such as a bushfire, flood, cyclone, earthquake or stormdisclaimer
  • impact damage, such as damage caused by a falling tree

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.disclaimerOptional rent default cover is also available, providing cover if your tenant stops paying rent.disclaimer

ANZ Landlord Insurance also includes legal liability cover, 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.

Cover varies depending on if you have building cover, contents cover or both.

For a full list of events covered by ANZ Landlord Insurance, as well as the terms, conditions and exclusions, please refer to the ANZ Landlord Insurance Product Disclosure Statement (PDF).

Rental protection cover varies between insurers, so it is recommended that you check your policy. ANZ Landlord Insurance provides cover for loss of rent in the event of the building becoming unliveable due to loss or damage from an insured event.disclaimer

Additionally, ANZ Landlord Insurance has the optional benefit of Rent Default cover, which provides cover if your tenant stops paying rent, leaves your rental property without giving you notice, or dies if they are the sole tenant.disclaimer disclaimer

As a landlord, it's important you have a rental agreement in place, so both parties understand the terms of the lease and exactly what's covered. Having a rental agreement is a requirement for many types of cover under an ANZ Landlord Insurance policy, including for optional rent default as well as damage by occupant cover.

Making a Landlord Insurance claim can come at an extremely stressful time. With 24/7 claims lodgement over the phone, help is with you when you need it most.

To make a claim, call 13 16 14. Make sure you have your policy number handy.

Your feedback regarding our performance is valued. ANZ and CGU are committed to resolving any concerns you may have.

The customer service team is your first point of contact for any enquiries, raising concerns or providing feedback. They will do their best to resolve your concerns genuinely, promptly, fairly and consistently, and keep you informed of the progress.

If you wish to lodge a complaint or provide feedback, please visit the Complaints Resolution Centre.

Tips and Guides

Make a claim

Make sure to have your policy number handy.

Customers can make a claim by accessing their online account via the manage your policy page or call 13 16 14.

Visit our claims page for more information.

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This information was published on 14 June 2026 and is subject to change.

ANZ Landlord Insurance is issued by Insurance Australia Limited (ABN 11 000 016 722, AFSL 227681) under the CGU brand and distributed by ANZ under its own license. ANZ recommends that you read the ANZ Financial Services Guide (PDF), ANZ Landlord Insurance Target Market Determination (PDF), ANZ Landlord Insurance Premium, Excess and Discounts Guide (PDF) and ANZ Landlord Insurance Product Disclosure Statement (PDF) (for policies commencing from 14 June 2026) (available online or by calling 13 16 14) before deciding whether to acquire, or to continue to hold, this product.

ANZ Home Insurance is issued by Insurance Australia Limited (ABN 11 000 016 722, AFSL 227681) under the CGU brand and distributed by Australia and New Zealand Banking Group Limited ABN 11 005 357 522 AFSL 234527. ANZ recommends that you read the ANZ Financial Services Guide (PDF), ANZ Home Building Key Facts Sheet (PDF), ANZ Home Contents Key Facts Sheet (PDF), ANZ Home Insurance Target Market Determination (PDF), ANZ Home Insurance Premium, Excess and Discounts Guide (PDF), ANZ Home Insurance Product Disclosure Statement (PDF) (for policies commencing from 14 June 2026) (available online or by calling 13 16 14), before deciding whether to acquire, or to continue to hold, this product.

ANZ Car Insurance is issued by Insurance Australia Limited (ABN 11 000 016 722, AFSL 227681) under the CGU brand and distributed by ANZ under its own license. ANZ recommends that you read the ANZ Financial Services Guide (PDF), ANZ Car Insurance Target Market Determination (PDF), ANZ Car Insurance Premium, Excess and Discounts Guide (PDF) and ANZ Car Insurance Product Disclosure Statement (PDF) (for policies commencing from 14 June 2026) (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.

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If your building or contents are covered and your rental property is unliveable after an incident CGU have agreed to cover, CGU pay up to 52 weeks of lost rent. CGU will cover either the weekly rent listed on your certificate of insurance, or the weekly rent in your rental agreement, whichever is less. A valid rental agreement is required.

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CGU don't cover actions of the sea, such as tides and waves. Refer to the ANZ Landlord Insurance Product Disclosure Statement (PDF) for a full list of conditions, embargoes, limits and exclusions that apply.

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For ‘theft or damage by occupant’ claims, CGU will deduct from your claim four times the weekly rent amount shown on your rental agreement, in addition to the standard excess. A valid rental agreement is required. No excess is payable for a claim made only under the ‘replacement of keys and locks’ additional benefit.

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CGU can cover electric motors for up to 15 years after they were made, provided they are not covered by a warranty, you do not use them for a business, trade or profession and they are kept at your home or site. CGU do not cover the cost to remove or install submerged or underground motors.

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With rent default you only have this optional benefit under your policy if you have specifically chosen and paid an additional premium for it and it is shown on your certificate of insurance as added to the policy. CGU will pay the amount of your rent lost up to the ‘weekly rent’ amount listed on your Certificate of Insurance or the weekly rent amount shown in your applicable rental agreement, whichever is the lesser, for up to fifteen weeks.

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These calculators are an approximate guide only and you still need to check that the sum insured is appropriate for you.

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CGU will deduct from your claim four times the weekly rental amount in addition to any excess that applies. A valid rental agreement is required. This cover is not available if a previous claim for rent default, theft or damage by tenant has been paid under the same tenancy. Police report number required.

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