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Protect your investment property with our broad cover

Whether your property is damaged by tenants, destroyed by fire, or if you’re owed rent or are liable for medical bills, we can look after you.

  Building and contents
  • Covers your property for loss or damage to the dwelling plus any fittings and furnishings
  • Cover for the standard events: fire, storm, flood and theft (excludes theft by a tenant unless you choose the optional cover).
  Optional rental income protection
  • In the event that your building is uninhabitable as a result of a damage to your property or a nearby property, we can cover any loss of rent for up to 12 months
  • In addition, you can choose to be covered for up to $5,000 against rent default by your tenants. This option also protects you against theft by a tenant.


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Key features of our Landlord's Insurance


Landlords Residential Property Insurance

Accidental breakage of fixed glass, basins, sinks, baths and toilets
included in loss or damage by a tenant or their visitors

Accidental damage
excludes loss or damage caused by a tenant or their visitors

Architects, surveyors and legal fees
paid in addition to the sum insured

Up to 10% of sum insured

Burning out of an electric motor
for motors up to 15 years old and no bigger than 3.7kW

Deliberate or intentional acts, vandalism or a malicious acts

Choice of liability
$5 million, $10 million, $15 million or $20 million

Flood Cover (Automatic)

Optional Loss of Rent cover
If your building is uninhabitable, up to 12 months, up to the sum insured chosen

Optional Rent Default and Theft by a Tenant cover
Up to $5,000 less any excess or bond money

Removal of Debris and Demolishing Costs
paid in addition to the sum insured

Up to 10% of sum insured

Water or liquid damage

This list is a summary of highlighted features and benefits only. Please refer to the CGU Landlords Residential Property Insurance Product Disclosure Statement (PDS), Supplementary Product Disclosure Statement and Target Market Determination for full terms and conditions.


Why insure with CGU?

  • Automatic flood cover
  • 24/7 claims lodgement – 13 24 80
  • 160 years of experience insuring Australians
  • Nearly half a million homes insured


General insurance issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance. Australian Mutual Bank Ltd ABN 93 087 650 726 acts under an agreement with the insurer. Sydney Mutual Bank and Endeavour Mutual Bank are divisions of Australian Mutual Bank Ltd. Any advice is general advice only and does not take into account your individual objectives, financial situation or needs (“your personal circumstances”). Before using this advice to decide whether to purchase the insurance policy, you should consider your personal circumstances and the relevant Product Disclosure Statement available above.


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