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Landlord Insurance options for every investor

Our Landlord Insurance can help keep your investment property covered, inside and out, with our customisable range of insurance options. Manage your investment expenses by only paying for the cover you need. You’ll also save up to $50 when you buy a new policy online, and the AAMI Lucky Club® gives you access to discounts at a range of home and furniture retailers.

On a shared block?

Landlord Insurance does not cover strata title buildings.

So if your rental property is on a shared block or shares walls with other properties, you may need Strata Insurance.

More about Strata Insurance

Work out the value of your contents using our calculator.

Contents Calculator


Helping you at every step

If you ever need to claim, your dedicated Client Manager can organise every detail from beginning to end.

  • All quotes and repairs
  • Sourcing of materials and replacement items
  • Requirements of your local council or authority
  • Regular communication with you throughout the process.

What's covered for Landlords

Your Building

In Building & Contents, and Building Only Insurance

Your Contents

In Building & Contents, and Contents Only Insurance

Optional Cover

Insured Events

These are the things that you'll be able to make a claim for, if they cause loss or damage to your building or contents. Most of them have limits, conditions and exclusions, so make sure you check the policy documents so you know exactly what's covered.

In the first 72 hours of your policy we don’t insure you for bushfire, storm, flood or tsunami. Very limited exceptions apply.
Terms, conditions and exclusions apply, for full details read the PDS.

Landlord Insurance

Frequently asked questions

AAMI Lucky Club® is made available by AAI Limited ABN 48 005 297 807 trading as AAMI ("AAMI") to customers of selected AAMI branded insurance policies.

Insurance is issued by AAI Limited ABN 48 005 297 807 trading as AAMI. Limits, conditions and exclusions apply. Read the Product Disclosure Statement before buying this insurance. This advice has been prepared without taking into account your particular objectives, financial situations or needs, so you should consider whether it is appropriate for you before acting on it.

Malicious damage

By ‘malicious’ we mean something done deliberately to harm your property.

For example, if your tenant smashes holes in the wall after they’ve been given an eviction notice, that’s considered malicious and is covered.

We don’t mean accidents, reckless or negligent acts, which aren’t covered. Examples of these are:

  • Your tenant never empties the bins causing bad smells and infestation.
  • Your tenant accidentally spills a glass of wine and ruins the carpet.
  • The children of your tenant put a hole in the wall while playing indoors.

This is a just summary. For full details check the PDS (Product Disclosure Statement). It’s dry, we know, but it’s essential reading.

Currently unavailable

We are currently unable to offer Tenant Protection Optional Cover on new Landlord Insurance policies until further notice.

Home Building Calculator

This calculator has some questions included that you may not find in other calculators, which will impact the estimate that is calculated.