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Designed to protect property owners who rent out their residential or commercial property to tenants.
Landlords insurance offers coverage for various risks that landlords face, beyond what standard home insurance might provide.
Here’s a breakdown of what Landlord Insurance typically covers:
Property Damage
Covers damage caused by tenants, natural disasters (like storms, fires, and floods), or vandalism.
This includes both the building structure and, in some cases, fixed fittings such as carpets or appliances.
Loss of Rental Income
Provides financial support if your property becomes uninhabitable due to covered events like fire or flooding.
Some policies may also cover rental default if the tenant stops paying rent and legal action is needed.
Legal Liability
Protects against claims if a tenant, visitor, or third party is injured on your rental property due to negligence or unsafe conditions (e.g., slipping on wet floors).
Tenant-related Risks
Covers malicious damage or theft caused by tenants.
Some policies also provide protection for rent loss if a tenant leaves without notice or is evicted.
Optional Contents Insurance
For landlords renting out fully or partially furnished properties, contents insurance can cover furniture, appliances, and other belongings provided to the tenant.
Financial Protection: Helps mitigate unexpected costs associated with property damage or tenant disputes. Peace of Mind: Ensures that your investment property remains financially viable even when facing rental income interruptions or legal liabilities
Choosing the Right Policy
When selecting a policy, landlords should:
Safeguard your rental property with a tailored Landlord Insurance policy from LA Insurance. Whether it’s property damage, loss of rent, or tenant-related risks, we’ve got you covered.
Contact our team today to explore your options and find the right policy for your needs.
Call us to get a quote and ensure your investment is protected from unexpected challenges.
LA Insurance know that protecting your assets is essential
In relation to General Insurance Only. LA Insurance Pty Ltd and its adviser are Corporate Authorised Representatives of Insurance Advisernet Australia Pty Ltd. Australian Financial Services Licence No. 240549. Corporate Authorised Representative No. 1255587. LA Insurance Pty Ltd ABN 16 610 540 577.