What is legal liability cover?

Landlord Insurance

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)

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First Year Online Discount*

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The content on this page applies to policies started or renewed on or after 21 June 2025.

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 acts and vandalism by tenants or 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 per incident)
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.

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Policy Documents

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

Landlord Faqs

We cover your legal liability to pay compensation for death of or bodily injury to other people, or loss or damage to their property, resulting from an incident in certain situations which happens during the period of insurance.

The most we’ll pay for all claims arising from one incident for legal liability covered by your policy is $20 million, including all associated legal costs. Read the PDS for more details.

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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).