Landlord Insurance

  • Save 10% First Year Online Discount*
  • Work Less Pay Less® Discount*
    Save on your premium if one or more policy holders works less than 37 hours per week
  • Loss of rent after tenant default (limits apply, refer to the PDS)

Landlord Insurance

If you're a landlord this policy protects your rented property for events such as fire, storms, flood#, earthquake as well as malicious damage by tenants. If you work less than 37 hours a week you can save on your premium with the Work Less Pay Less® discount*.

Apia Landlord cover features:

  • Fire, theft, storms and flood damage#
  • Malicious damage caused by tenants and their guests (up to $25,000)
  • Cover for loss of rent for up to 52 weeks if your property is unliveable following an insured event
  • Motor burnout cover (up to $2,000)
  • Work Less Pay Less® discount* if you work less than 37 hours a week
  • Legal liability (up to $20 million)

#Actions or movements of the sea and storm surge are not covered (unless the storm surge damage occurs at the same time as damage caused by storm)

Limits, exclusions and conditions apply, please refer to the PDS for full details..

Talk to an Expert

For insurance advice or help with a quote, chat with someone who takes the time to understand you.

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Home Building Calculator

Estimate the cost to rebuild

This calculator can help you work out the estimated rebuild cost of your building to help you choose your sum insured.

Home Building Calculator

Policy Documents

For full details of what is and isn't covered please refer to the relevant Product Disclosure Statement (PDS)

Landlord Faqs

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*If you receive more than one discount, we apply each in a predetermined order to the already discounted premium (usually before adding taxes and charges). The discounts we offer are subject to change.

Online discount is only available for new, eligible policies purchased online and will be applied upon purchase and subtracted from the premium. Online discount is not available with any other offers and does not apply to optional covers Apia Home Assist, Excess-free Glass cover and Apia Roadside Assist (if applicable).

Work Less Pay Less® discount does not apply to optional covers Apia Home Assist, Excess-free Glass cover and Apia Roadside Assist (if applicable).