Will I be covered if my tenant stops paying the rent but does not leave my property?

If your tenant stops paying the weekly rental amount in the period of insurance but does not leave, we will pay the weekly rental amount for: up to 14 weeks if your rental agreement is on a fixed term basis up to 2 weeks if your rental agreement is on a periodic basis You will need to have suffered a loss of an amount equivalent to four (4) times the weekly rental amount before cover begins. Limits, conditions and exclusions apply, please refer to the PDS for full details.

Landlord Insurance

10% discount* when you quote for a new policy online
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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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..

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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

Landlord Insurance is designed to help cover your property in case of damage, as well as events that result in a loss of income from the tenant. Depending on the cover, this may include damage by tenants and natural weather events, as well as theft or loss of rent if your tenant defaults and can’t pay the rent.

For more information on what is and isn’t covered, please refer to the Product Disclosure Statement.

Home Insurance can help cover the cost of repairs to your property if it’s damaged due to a natural weather event, or things like impact and vandalism. Landlord Insurance, on the other hand, can include home cover for the structure of your property, as well as cover for tenant-related issues, such as loss of rent if the tenant defaults.

To learn more about the differences in our Landlord Insurance and Home Insurance products, head to our Policy Documents page.

If you’ve selected property coverage with your Landlord Insurance policy, there’s no need to take out an additional Home and Contents Insurance policy. This is because Apia Landlord Insurance includes most of the features of the Home and Contents Insurance, and depending on your level of cover, some added benefits for landlord protection, including cover for tenant default and vandalism.

Legal liability can cover you to pay compensation for death of or bodily injury to other people, or loss or damage to their property. For example, if you have Apia Landlord insurance on your property and your tenant has made a claim against you for injuries that occurred during your period of insurance due to a fall from tripping over a large crack running across the driveway of your property. Apia would pay the amount owing to the injured party if it was determined that you were liable. For more information, see ‘legal liability’ in our Landlord Insurance policy document.

If your tenant stops paying the weekly rental amount in the period of insurance but does not leave, we will pay the weekly rental amount for:

up to 14 weeks if your rental agreement is on a fixed term basis
up to 2 weeks if your rental agreement is on a periodic basis

You will need to have suffered a loss of an amount equivalent to four (4) times the weekly rental amount before cover begins. Limits, conditions and exclusions apply, please refer to the PDS for full 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).