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Landlord Insurance for Strata properties

If you own and lease your unit / apartment as part of a strata complex, it is essential to have a landlords insurance policy that protects your investment.

Residential Strata Insurance only provides general insurance cover for the building, common property and common contents. The cover provided by the Strata Building policy ends when you cross the threshold of your individual property.

Landlord Insurance for Strata properties

In partnership with CHU Underwriting Agencies Pty Ltd, Whitbread are now offering an instant online Landlords Insurance solution for Strata properties.

CHU Landlords insurance is insurance cover for strata property owners who are renting out a unit/apartment to tenants.

The policy is designed to cover:

  • Accidental loss or damage to contents in your unit from events such as fire, flood or storms. It can cover items such as carpets, light fittings, curtains and blinds and washing machines as well as loss of rent if the unit is unfit to be occupied.
  • Malicious damage to contents/buildings caused by tenants and/or their guests.
  • Loss of rent if your tenant defaults.

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For personal advice specific to your particular circumstance, please give us a call on 1300 424 627 to speak to our team of Landlord Insurance specialists.

Please Note: The information on this page is a summary of common Landlord insurance policy features. The list is not exhaustive 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 general advice to your particular objectives, needs and financial situation. For a full explanation of policy terms, conditions and limits you should refer to the Landlords Insurance for Strata Product Disclosure Statement and Policy Wording 104100-06/17Click here to view the relevant Financial Services Guide.


Covered Features

  • Landlord Insurance for Strata properties Liability to others

    Liability to others

    Should you become legally responsible to pay compensation for personal injury or property damage.

    Sum Insured: $30,000,000

  • Landlord Insurance for Strata properties Government audit costs

    Government audit costs

    Professional costs incurred in connection with an investigation by the Australian Tax Office or other statutory body: $5,000. Special benefit: A record keeping audit $1,000

  • Landlord Insurance for Strata properties Legal expenses

    Legal expenses

    Legal expenses in connection with a claim. 

  • Landlord Insurance for Strata properties Loss of rent

    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.

  • Landlord Insurance for Strata properties Rent default

    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.

  • Landlord Insurance for Strata properties Building damage

    Building damage

    Walls, windows, doors, floors, ceilings and fixtures of the lot/unit are covered against theft and damage caused by vandalism or malicious acts.

  • Landlord Insurance for Strata properties Contents


    Contents are covered on a replacement (new for old) basis against accidental loss or damage.

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