Cover for both your rental property and the furniture your provide your tenant.
Cover designed especially for landlords
With options to protect your rental property, the furniture you provide tenants, or both.
Compare options for landlords
This is a summary only. For a full list of inclusions, conditions, limits and exclusions, read the Product Disclosure Statement.
Types of events you can claim for
Insured events you can claim for if they impact your rental property or contents. For all limits, conditions and exclusions, check the Product Disclosure Statement.
Frequently asked questions
You’re covered if your tenant stops paying rent or leaves without notice. You’ll be covered up to $10,000 for the rent default, and up to another $10,000 for legal costs.§
You won’t be covered if:
- the tenant is behind in payments before your policy begins
- you’ve already claimed for rent default under the same tenancy
- you’ve already claimed for theft or intentional damage by a tenant or their guest under the same tenancy.
To learn more about cover for rent default, check the Product Disclosure Statement.
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You're covered if your tenants, their pets or their guests damage your property or contents.§
This includes:
- intentional and deliberate damage
- vandalism
- alterations you didn’t allow
- contamination caused by manufacturing, storing or distributing illegal drugs.
To learn more about cover for damage, check the Product Disclosure Statement.
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§ Four times the weekly rental amount will be deducted from your claim, in addition to any excess that applies. A valid rental agreement is required. This cover is not available if a previous claim for rent default, theft or damage by tenant has been paid under the same tenancy or if the tenant is behind in rent payments before your policy begins.
‡ This cover is not available if a previous claim for rent default, theft or damage by the tenant has been paid under the same tenancy.
* The Multi-Policy Discount and Years of Membership Benefits exclude Travel, Business and Farm Insurance products. To qualify for the Multi-Policy Discount, you must hold two eligible RACV Insurance policies. For further details, see the Premium, Excess and Discounts guide at racv.com.au. Discounts will only be applied until any applicable minimum premium is reached. On renewal, any increases or decreases in your premium may be limited by factors such as your previous year’s premium. You may not save more with more eligible policies and by staying with RACV Insurance longer if a minimum premium is reached, or limits have been applied to increases or decreases in your premium.
^ RACV Home Insurance recognised in Mozo People’s Choice Awards 2023–2025 – more information on the awards research methodology at https://mozo.com.au.
† RACV Insurance recognised in the Finder Customer Satisfaction Awards – more information on the awards research methodology at https://www.finder.com.au/finder-awards.
+ Unless you have chosen to remove flood, rainwater run-off or storm surge cover (if that option was offered to you). Other exclusions apply including that damage caused by actions of the sea is not covered.
The information provided is general advice only. Before making any decisions please consider your own circumstances and the Product Disclosure Statement and Target Market Determinations. For copies, visit racv.com.au. As distributor, RACV Insurance Services Pty Ltd AFS Licence No. 230039 receives commission for each policy sold or renewed. Product(s) issued by Insurance Manufacturers of Australia Pty Ltd ABN 93 004 208 084 AFS Licence No. 227678.