Cover for your investment property, the contents you provide and the rent it earns. We compare 10+ insurers so you can see the differences before you choose.
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Building, landlord contents, loss of rent, tenant damage and legal liability
A standard home policy is generally designed for owner-occupiers, not tenanted properties. We compare landlord policies across 10+ insurers and explain how each one handles rent default, tenant damage and liability, so you know what you are buying.
Three steps, and we do the legwork.
We go to 10+ insurers and come back with landlord options that fit your property and how it is let. Same-day quotes available.
Pick the option that suits and we handle the paperwork.
Named #1 Top Brokerage 2025, trusted by 30,000+ clients, and with you long after the policy is sold.
We insure rental properties every day, from a single unit to multi-property portfolios across several states.
Named #1 Top Brokerage 2025 and rated 4.9/5 on Trustpilot and 4.7/5 on Google from over 12,000 reviews.
We manage your renewals and help keep sums insured and rent amounts current as your portfolio changes.
Notify a claim 24/7. Whether it is storm damage or a tenant dispute, our team deals with the insurer for you.
“The claims experience was made so easy.” – Scott B., Google review
Real reviews from property investors we've insured across Australia.
“Ben has been absolutely outstanding to work with. He saved Goulburn Transport a substantial amount of money, and we couldn’t be happier with the result. His professionalism, knowledge, and can-do attitude were first class from start to finish. Ben went above and beyond, made the whole process simple, and delivered real value for our business.”
“In 40 years that I have owned property, Tamaia Singh has been the most professional insurance broker that I have had the pleasure to work with. Tamaia has gone above the call of duty to assist me and at end of the day I have a new cost effective landlord policy that I am extremely happy with. Tamaia was proactive, personable, very knowledgeable and was always contactable. …”
“I had an excellent experience with Shielded Insurance Brokers, and especially with Dan who looked after my claim. The entire process was handled with professionalism, patience, and clear communication from start to finish… His support genuinely made a stressful situation much easier to manage, and thanks to his help my business was able to keep running without interruption.”
“Great help, quick. Zac Incerti did an amazing job and obtained a really super competitive Landlord insurance quote. He made the process very easy, short stay cover policies are hard to organise, but he made it all simple. Forget hunting around, I recommend the team at Shielded.”
“We as a business have entrusted Shielded insurance brokers for many years & will continue to do so. Their knowledge & expertise is exceptional & they go the extra mile no matter what. Great team, great service & always chasing the best deal!”
“Zac was simply amazing to deal with for my home and landlord insurance. … I got in contact with Shielded Insurance and was connected with Zac. What a top-class experience, he had everything sorted in less than an hour and came back with an overall lower cost! Zac went above and beyond to help.”
“We have been insured with Shielded for the last year and unfortunately had a break and enter and lost very valuable equipment. Alex Shipman and all the team at Shielded were excellent to deal with and managed my claim and had everything finalised fast. I’ve never had to make a claim like this and only ever heard bad stories so I assumed this was going to drag out for 6-9 months but I’d say we barely made it over 6 weeks. Very happy.”
“Great customer service from Josh, easy to chat with, understood clearly what I was after in landlord insurance, and very quick in returning my emails on any questions I had, great asset to your team :)”
“I had quotes from previous brokers and the pricing was outrageous. Kharn was my contact at Shielded. He was a legend. Did the work. Got multiple quotes fast, he was on the phone ringing me about any additional questions the insurance companies required from our company so he could get the quotes completed promptly. Highly recommend.”
“Mitchell from Shielded Insurance was tasked with securing building and landlord insurance. He was very efficient, professional and was able to get us a competitive quote.”
“The service was professional, responsive, and efficient throughout my recent insurance claim. They took much of the stress and hard work off my shoulders, guided me through the process, and helped achieve a quick resolution. Communication was excellent, and I always felt supported and informed.”
“Helped me to sort out my landlord insurance and process was so easy. Thank you”
“Have had a long and stressful challenge dealing with my insurer however it turns out that my insurance broker actually provides the help! Worth going through a broker that really knows their stuff.”
“Tim Cantwell from the very first conversation has been a pleasure to deal with! Knows his stuff, responds instantly and is always available. First class customer service!!! A++ Thanks Tim!!!!”
Build the cover your rental property needs. Mix and match on one quote.
Cover for the structure of your rental property against events like fire, storm and water damage, depending on the policy.
Quote building coverCover for the items you provide to tenants, such as carpets, curtains, blinds and appliances.
Quote contents coverCan cover lost rent if the property is unliveable after an insured event, or if a tenant defaults, depending on the policy.
Quote loss of rentCover for malicious or accidental damage caused by tenants or their guests – the type and limits vary between policies.
Quote tenant damageProtection if you are held legally liable for injury to someone or damage to their property at your rental.
Quote liabilityReviewed by Joshua Scutts, Shielded Insurance Brokers · Updated October 2026 · General information only
We know landlord insurance and what property investors need from their cover.
Landlord insurance is designed for residential investment properties that are rented to tenants. Depending on the policy, it can cover the building, the contents you provide, loss of rent, damage caused by tenants and your legal liability as the owner.
Standard home insurance is generally designed for owner-occupied homes. It usually doesn't include rental-specific cover like loss of rent or tenant damage, and some policies may limit or exclude cover when the property is tenanted. Tell your insurer – or us – if you rent out the property so it's insured correctly.
Many landlord policies include or offer cover for malicious damage, and some also cover accidental damage by tenants or their guests. Policies differ on what counts as each type of damage, the limits that apply and how wear and tear is treated – it's generally not covered – so we'll explain the differences between the options we present.
Loss of rent cover can help replace rental income if the property becomes unliveable after an insured event, such as a fire or storm. Some policies also cover rent default when a tenant stops paying or leaves without notice, often subject to conditions about how the property is managed. Limits and conditions vary between insurers.
In most strata schemes, the body corporate or owners corporation insures the building and common property. As a landlord, you'll generally still want cover for your landlord contents, loss of rent, tenant damage and your legal liability. Check your strata policy, and let us know what it includes so we can fill the gaps.
Yes, but short-term and holiday rentals are often treated differently from long-term tenancies, and some standard landlord policies don't cover them. Let us know how the property is let – for example through a holiday letting platform – and we'll find options designed for that use.
Landlord insurance premiums for an income-producing rental property are generally treated as a deductible expense in Australia. Your circumstances may differ, so check with your accountant or tax adviser.
Premiums depend on factors such as the property type, location and construction, the building and contents sums insured, the weekly rent, whether the property is managed by an agent, how it's let, your claims history, the cover options you choose and your excess.
Contact us at Shielded Insurance on 1800 97 98 99 as soon as possible. Claims can be notified 24/7, and we'll guide you through the process with the insurer.
