If you own a rental property—or rent one yourself—your insurance needs are different from those of a typical homeowner. Whether you're protecting an investment or the belongings you live with every day, the right insurance can make all the difference when things go wrong.
🔑 For Renters: Protect What’s Yours
As a tenant, your landlord’s insurance does not cover your belongings. If a fire, flood, or theft occurs, your furniture, clothing, electronics, and valuables are your responsibility.
That’s where renter’s insurance comes in.
What renter’s insurance typically covers:
Damage or loss due to events like fire, storms, or burglary
Accidental damage to fittings or fixtures (like carpets or benchtops)
Legal liability if you unintentionally cause damage to the property or others
Possessions in transit when moving between homes
Some policies even cover your things if they're stolen from a car or while you're travelling.
💡 Tip: Use a contents calculator to estimate the value of your belongings. You might own more than you think.
👉 www.findaninsurer.com.au
💸 Low-Cost Renter’s Insurance
If you're on a budget, many insurers offer affordable contents-only policies, focusing on high-risk events like fire and theft—especially useful for renters in shared accommodation.
Keep in mind:
These policies may offer limited cover
You could be underinsured if your policy doesn’t reflect the full value of your belongings
Expensive items (like jewellery or art) may need to be listed separately, which can increase your premium
🏡 For Landlords: Safeguard Your Property and Income
As a landlord, you face unique risks—from accidental damage to missed rent. Landlord insurance helps protect both your property and the income it generates.
Standard landlord insurance may cover:
Building damage from fire, storm, flood, or vandalism
Fixtures like carpets, ovens, light fittings, and blinds
Theft or intentional damage by tenants or their guests
Legal liability for injuries that occur on the property
Loss of rental income due to property damage or tenant default
Some policies even include:
Legal expenses for tenant disputes
Lock replacement if keys aren’t returned
Cover for tenant hardship (e.g. court-approved rent release due to illness)
💡 If a few missed rental payments would leave you financially vulnerable, make sure your policy includes rent default protection.
🏖️ Short-Stay & Holiday Rental Insurance
Renting out your property short-term? Regular landlord insurance may not be enough.
Short-stay landlord insurance is designed for holiday homes and Airbnb-style rentals. It can include:
Loss of future bookings due to a guest’s illness or death
Legal cover if guests refuse to vacate
Damage caused during short stays
This kind of policy is typically available for professionally managed properties.
🔍 Find the Right Cover for You
With so many policies available, it pays to compare. Look for cover that matches your circumstances, and always read the Product Disclosure Statement (PDS) to understand exactly what’s included.
👉 Start your search at www.findaninsurer.com.au
Whether you're a landlord or a tenant, insurance is more than a safety net—it's peace of mind.
Need help comparing policies or calculating your contents value? I can help with that too.
