As any Landlord knows, your property is a source of income and an investment that needs to be protected. That’s why you need a comprehensive Landlord Insurance policy which covers a range of circumstances; one that is specifically designed to protect you and your property.

Landlord Insurance provides insurance protection for your liability as a Landlord as well as cover for Landlord’s contents, loss of rent by an insured peril, rent default among other benefits.

Whitbread offer two levels of Contents cover;

  • $20,000
  • $55,000

This Accidental Damage Cover provides the broadest option of cover for accidental loss or damage caused by your tenant.

We work closely with you to formulate an insurance and risk solution that protects your investment, creating a future where you can plan with greater certainty.

The above information is a summary of the policy wording and should only be considered as general advice. It is not intended to take the place of personal advice. Before acting on this information you should consider the appropriateness of this advice to your particular objectives, needs and financial situation. For a full explanation of policy terms, conditions and limits you should refer to the Product Disclosure Statement CID0242_F REV7 08/17 which can be obtained from our office. Cover is subject to underwriting acceptance criteria. This product is issued by Insurance Australia Limited | ABN 11 000 016 722 | AFS License No. 227681 trading as CGU Insurance. 

Covered Features

Accidental Damage

Covers accidental loss or damage to contents caused by a tenant. Subject to policy limits and conditions.

Loss of Rent

Provides cover should the premises become uninhabitable due to insured physical loss or damage to the building including prevention of access due to damage to a nearby property, whilst a lease is in place. Subject to policy limits and conditions.

Larceny, Theft, Malicious Damage & Vandalism

Covers loss or damage to property arising from a deliberate or intentional act caused by tenants. Subject to policy limits and conditions.

Rent Default

Provides cover should the tenant vacate the premises without notice, defaults in paying rent owed under the terms of the lease or as a result of a tenant being legally evicted, whilst a lease is in place.  Subject to policy limits and conditions.

Legal Liability

Protection as a Landlord for legal liability resulting in death or bodily injury and/or property damage.  Subject to policy limits and conditions.

Building Insurance (Optional)

Building Insurance is available as an extension to a Landlord Insurance policy.

This is an optional cover and an additional premium applies.


Landlord Insurance provides insurance protection for your liability as a Landlord as well as cover for Landlord’s contents, loss of rent by an insured peril and other benefits.

Yes, we offer two levels of contents cover; either $20,000 or $55,000.

Yes, building insurance cover is available as long as the property does not form part of a Strata Title.

The Strata Insurance policy does not include insurance for your liability as a Landlord.

Yes. If the property is unoccupied for 90 days or more you must notify Whitbread.  Section 3: Damage Caused by Tenants Cover and Section 4: Tenants Rent Default cover will not apply when a tenant ceases to occupy the property. If you fail to notify us within the 90 day period that your property is unoccupied, your cover may be restricted.

Yes, one advantage of having an investment property is that the insurance is tax deductible. You should speak to your accountant who can advise you about tax matters.

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