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Landlord insurance

Mortgage Choice Landlord insurance gives you the confidence that comes with having the right insurance protection for your investment property and its contents.

Why choose to buy your landlord insurance through Mortgage Choice?


You can choose from a range of excess levels and payment options to suit your needs.

Cover for legal liability

We offer Landlord insurance with up to $10 million cover for your legal liability for death, bodily injury or loss or damage to property caused by an accident occurring on your property.

Up to 30% No Claim Bonus1,2

You can get up to 30% No Claim Bonus on landlord insurance policies purchased through us, meaning you can save on your premium each year you don't make a claim, up to a maximum 30%.1,2

Further peace of mind

You can get further peace of mind by purchasing additional optional covers such as "Rent Default and Theft by Tenant".

Expense protection

If you purchase the additional optional cover “Rent Default and Theft by Tenant”, you will also be covered for your legal expenses for up to $3,000 for each claim for rent default or theft by tenant provided these expenses are incurred with the insurer’s prior written approval.

Protection for your investment property

Your rental property is likely to be a long term investment - so it is important to protect. But as a landlord you need to insure more than just the value of the buildings.

Cover for your legal liability

Landlord insurance provides cover for your buildings and contents. It also covers your legal liability for up to $10 million in the event that someone is accidentally injured while on your property or if their property is lost or damaged as a result of an accident occurring on your property.

Premiums may be tax deductible

The premiums for landlord insurance may be tax deductible. This reduces the cost to you of having landlord cover in place, although you should speak with your tax adviser for information relevant to your circumstances.

Fittings and fixtures can be covered, too

The fittings and fixtures included in your rental property can cost more to replace than you probably realise, yet it's easy to overlook fittings and fixtures when it comes to insuring your rental property. Landlord insurance can provide cover for these items in one policy, so you can relax knowing this key aspect of your investment property is protected.

Flexible excesses

We recognise that landlords face cash flow limitations just like any other home owners. If you purchase Landlord Insurance through us, you can choose from a range of excess options to suit your budget and needs.

Want to learn more?

For the standard terms, conditions, limits and exclusions of the cover, please read the Product Disclosure Statement for Landlord Insurance.

To review the Key Facts Sheets available for Landlord Buildings and/or Contents cover, click here

By proceeding to get a quote , you agree to receive the Financial Services Guide (FSG) on this website.

See Key Facts Sheets for our landlord building and/or contents covers

Mortgage Choice Limited ABN 57 009 161 979 AR No. 435921 arranges this insurance as agent and authorised representative 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. Terms, conditions, limits and exclusions apply. Before making a decision, please consider the Product Disclosure Statement available on this website, by visiting a Mortgage Choice branch or by calling 1300 736 085. If you purchase this insurance, we will receive a commission that is a percentage of the premium. If the agreed premium threshold is met, we will also receive a percentage of the profit which exceeds the agreed profit threshold for Householders (excluding flood) and Domestic Motor insurance policies arranged or referred by us or Mortgage Choice Financial Planning Pty Limited ABN 97 158 645 624 (or renewed with Allianz) in each calendar year. Ask us for details before we provide you with any services. The Financial Services Guide – Mortgage Choice Insurances can be viewed here.

1. Minimum premiums may apply. Any discounts/entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. Discounts may not be applied to the premium for optional covers, including flood (where relevant).

2To qualify for the maximum No Claim Bonus of 30%, customers must have had no landlord losses in the preceding three years. However, customers who have had up to two claims may still qualify for reduced No Claim Bonus. 

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