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Our operating hours vary across our insurance products, please check which apply to you.
Our operating hours vary across our insurance products, please check which apply to you.
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.
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 Building Insurance can help cover the cost of repairs to your property if it’s damaged due to a natural weather event, or things like gas leaks and vandalism. Landlord Insurance, on the other hand, can include building 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 Building Insurance products, head to our Policy Documents page.
If you’ve selected building coverage with your Landlord Insurance policy, there’s no need to take out an additional Home Building Insurance policy. This is because Apia Landlord Insurance includes most of the features of Home Building Insurance, and depending on your level of cover, some added benefits for landlord protection, including cover for tenant default and vandalism.
Head to our Policy Documents page for more information on what is and isn’t covered under Home Building Insurance and Landlord Insurance.
Legal liability can cover landlords and owners of a property in the event of death or bodily injury to other people, such as tenants and guests, or loss or damage to their property from an incident. Apia Landlord Insurance can cover legal liability for up to $20 million, including associated legal costs in the event of an incident.
For more information, see ‘legal liability’ in our Landlord Insurance policy document.
Apia Landlord Insurance includes cover for loss of rent if your tenant defaults on the rent but does not leave. You must have taken all reasonable steps legally available to you to remedy non-payment and/or evict the tenant (if possible).
Some limits and exclusions apply so please refer to the Product Disclosure Statement.
Apia includes automatic cover for loss of rent, which is excess-free under Apia Landlord Insurance.
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