Landlord Building Insurance

Owning a rental property comes with responsibilities, so having the right cover in place matters. Risks come in the form of weather events, accidental damage, or tenant-related issues, where even small oversights produce costly property losses.

We can provide you with flexible landlord building insurance for your Australian rental property. Our team outlines property risk and the tenancy conditions, meaning your coverage always matches the way your rentals are managed.

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Benefits of Landlord Building Insurance

Landlord building insurance is there to protect your investment and supports you should any events affect your commercial building or the income it generates.

  • Helps safeguard the building against damage caused by insured incidents
  • Supports income stability when rent cannot be collected after an insured event
  • Reduces exposure to liability claims involving injury or third-party property damage


How the Application Process Works

Applying for landlord building insurance is a simple process, one that starts with your property details and ends with confirmed cover. The steps below outline how the application progresses and what each stage involves.

Step 1

Provide key information about the property and its leasing arrangement to help identify suitable options.

Step 2

Review the recommended cover types and consider additions that address the property’s risk profile.

Step 3

Request a landlord building insurance quote and check the inclusions, limits, and optional features.

Step 4

Confirm the preferred option and allow the documentation to be prepared.

Step 5

Finalise the policy once all details have been checked and the coverage requirements are met.

Start Your Quote Today

Hear Directly From Other Landlords

Property owners share how CGIB supported them with landlord building insurance during real events and claims.

Kristy Wetherell
I was new to this type of PI insurance and was lucky to come across CGIB. From my initial online requests, to arranging my coverage, communication was excellent and my insurance was organised easily, and competitively priced! Thank you!
kerry johnson
From getting a quote to being fully secured took , in real time, only a few hours. Aleisha was outstanding by keeping us informed at all times. So happy with the service and the end result. Thank you
Adam Smith
CGIB has been with me, since I started my business almost 10 years ago. Caroline is always prompt with replies to any queries I have. Very happy to recommend CGIB.
domenic sciacca
CGIB are outstanding insurance brokers. I've been dealing with them for 20+ years and have consistently had a positive experience. Their service is always prompt, professional and they are an absolute pleasure to deal with.
Neil Harris
Caroline & CGIB have looked after my insurances now for over 10 years, and have been great to deal with. Will continue to use their services.
Trevor Brown
The staff at CGIB were very helpful and achieved what I needed without fuss or delay. Excellent experience
Alexis Rivers
Caroline at CGIB Insurance is just great to deal with. She’s proactive, knows her stuff, and is always easy to reach.

She really takes the time to understand my business and makes sure everything is clear and properly covered. Feels more like having someone in your corner than dealing with insurance.

Super highly recommend.

Thanks agian =)
Steve Colakidis
I have used CGIB as my insurer for over 10 years and they have always been very professional and reliable.
Antonio Iannella
CGIB have facilitated insurance for our Owners Corp requirements for the last few years. Sarah has been professional, diligent, helpful and I highly recommend their services.
PINA SERNIO
Wouldn't go anywhere else! We have been in the building industry for over forty years and have used other companies to handle our insurances and it was a nightmare. CGIB has been responsive, efficient and pleasure to do business with. They have handled our claims in a speedy manner and stayed on top of things, sending ME friendly reminders to help me stay on top of things. We have been with them for what could be over 15 years and highly recommend them.

Edward Sebben: Had a good experience with CGIB. Dealt with Andrea who was very prompt and helpful providing us with a competitive property insurance quote.

Find the Right Insurance For You

View related policies for landlords and commercial property owners, including cover for:

Office
Factory
Warehouse
Retail
Manufacturing
Small Businesses

What Does Landlord Building Insurance Cover?

Landlord building insurance is a vital layer of protection for your rental property if insured events affect the building, its contents, or the tenancy. It typically includes:

  • Fire, flood, storm, and natural disasters: Damage to the structure or essential fixtures caused by major insured events.
  • Theft and break-ins: Cover for loss or damage after theft, attempted theft, or forced entry.
  • Liability events: Protection if an injury or third-party property loss occurs on the rental property.
  • Contents and fixtures: Cover for landlords’ contents up to set limits, with options to extend.

Additional Protections:

  • Options for electric motor burnout, rent default , debris removal, and tax audit cover.
  • Extensions are also available for fixtures, fittings, and loss of rent under a body corporate arrangement.

Real-world examples:

  • Storm impact: A severe storm damages the roof and gutters, requiring urgent repairs.
  • Liability incident: A tradesperson is injured while working on the property and lodges a claim.

What Typically Isn’t Covered

As with other policy types, landlord building insurance has set exclusions. Generally, it will not cover:

Tenant neglect

Damage caused by carelessness, poor upkeep, or disregard for the property.

Gradual deterioration

Rust, corrosion, mould, or wear and tear.

Extended vacancy

Properties left unoccupied for long periods.

Unlisted events

Incidents outside the insured events defined in the policy terms.

A landlord policy also applies to the insured property only. That means separate cover is needed for personal items, additional properties, or areas managed under different policies.

Factors That Shape Your Policy Cost

Pricing for rental property cover varies and a few key factors play a major role in shaping the final cost. With landlord building insurance, premiums are often influenced by:

  • Property location
  • Age and condition of the building
  • Coverage amount selected
  • Any optional extensions
  • The tenant’s occupation 

At CGIB, our team can explain how these factors influence pricing and assist you when requesting a landlord building insurance quote. This helps you compare policy options with a clearer view of expected premiums.

Start Your Quote Chat With Our Team

Coverage Areas for Landlord Policies

Cover for rental properties is available across major regions in Australia, with options that cover different state requirements and local conditions. With landlord building insurance, protection can be arranged for properties in metropolitan areas and regional locations alike. Our team can walk you through any regional considerations to help match the cover to your property.

Frequently Asked Questions

Coverage varies by policy, but landlord building insurance typically includes protection for the building, insured events such as fire or storm impact, accidental damage, liability incidents, loss of rent after insured damage.

Rent default cover provides compensation when rent cannot be collected due to an insured default event, subject to the limits and conditions listed in the policy.

Contact your CGIB broker as soon as you can, as this helps start the claim smoothly. Your broker will explain what details to gather, assist with the documents, and support you through the process outlined in your policy schedule.

Keep Up To Date On News And Insights From The Blog

Providing you with great insurance products to protect what’s most important to you is a given. But we also believe in keeping you up to date with the day to day risks that businesses face. Check out our blog for the latest.

Introducing CLOI: Your Ultimate Commercial Landlord Owners Insurance
Know your Obligations as a Commercial Property Owner
The Importance of Good Business Practices and Professional Indemnity Insurance

Speak to a Broker Who Understands Landlord Risks

Each rental property comes with its own challenges, so having real-world guidance grounded in real experience is invaluable. Landlord building insurance gives you structured protection for the situations property owners deal with, backed by support that makes the process clearer. At CGIB, our brokers can assist you with options and help you organise a landlord building insurance quote that reflects your property needs. You can fill out the online form or contact us on 1300 764 244 for clear advice on securing reliable cover for your rental property.

Start Your Quote Chat With Our Team

Marine Cargo & transit Quote Forms

Who should use this form?

Professional carriers or transport operators responsible for customers’ goods in transit.

Who should not use this form

Businesses sending their own goods.

Quote Form

Who should use this form?

Businesses sending, importing, or exporting their own goods. Covers loss or damage during transit.

Who should not use this form?

Carriers transporting others’ goods.

Quote Form
Quote Form

Who should use this form?

Businesses or individuals needing cover for a single shipment or occasional transit.

Who should not use this form?

Regularly sending goods—use the Annual Marine Cargo & Transit form.

Please note: We are unable to arrange insurance for one-off transits that involve carrying goods belonging to others please use the Annual Carriers Form

Who should use this form?

Existing policyholders renewing their annual Marine & Transit Insurance.

Who should not use this form?

New applicants or one-off shipments.

Renewal Form