Landlord Insurance

What is Landlord Insurance?

Landlord Insurance is a specialised insurance policy designed to protect rental properties and owners from financial losses attributable to property damage, tenant issues and legal liabilities.

Standard home policies fall short against the unique risks that landlords face and its critical to secure coverage that accounts for tenant rent default, malicious damage, and complex liability issues.

Who it is for

Whether you’re an apartment owner or your investment property is a free-standing home or commercial property there are additional risks and exposures when the property is leased out or unoccupied.

Without it, landlords may face significant out-of-pocket expenses for repairs, lost rent, or legal claims. It is particularly valuable for landlords relying on rental income to cover mortgage repayments or other financial obligations.

What it can include

Coverage and support shaped around the realities of tenanted property it can include:

Property Damage

Covers losses to sustained to the building and surrounding property infrastructure.

Contents Coverage

Required protection for any items or belongings left for tenant use including electrical equipment, carpets, blinds, unfixed air conditioning units.

Loss of Rental Income / Tenant Default

Compensation for rental income not being generated following an insured loss leaving the property uninhabitable. Safeguards owners if a tenant stops payment rent, abandons the property or breaches lease terms.

Tenant Damage

Protection for malicious damage by tenants, vandalism or theft

Legal Expenses

Coverage for the costs associated with the eviction of tenants or recovery of financial losses

Public Liability

Protection and coverage against injury or 3rd party property damage

Why ABS Strata

By staying ahead of shifting tenancy legislation and market trends, ABS ensures that whether you own a single apartment or a diverse commercial portfolio, your income stream and assets are completely bulletproof.

ABS understands that a rental property home or apartment isn’t just bricks and mortar – it’s a critical piece of your financial future. As a specialist insurance advisor dedicated exclusively to property owners and investors we help clients safeguard their portfolios and their home against the unpredictable.

Strata-focused expertise

Not general insurance advice. Built specifically around strata legislation, building requirements and shared ownership structures.

Access to leading insurers

Policies are sourced from established insurers with the scale and appetite to support residential strata risks.

Support when it matters

From placement through to claims, ABS Strata works alongside committees to help navigate complex situations with clarity.

Speak with ABS Strata about your insurance needs.

Whether you are seeking a quote, managing a claim or looking for clear insurance guidance, our team is here to help.

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