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BSB 650 000

Landlord Insurance

Protect your investment property and landlord’s contents from insured events such as theft, fire, storm and malicious damage.

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  • Banking anywhere Cover for your investment property
  • npbs icon Pay by the month at no extra cost.<

A residential investment property needs to be appropriately protected.

Insurance can give you the peace of mind and confidence that your property will be looked after should something go wrong. Allianz Landlord Insurance through Newcastle Permanent covers the property and/or the contents you provide for your tenant’s use. To help you decide the cover you need, Here’s a brief outline of the difference between Buildings and Contents cover.

Landlord Buildings

  • Designed to cover the physical structures that make up your property, like the house itself, garage, sheds, permanently installed swimming pools and decks. Generally for customers who own a freehold home – like a house, townhouse, terrace or semi-detached dwelling.

Landlord Contents

  • Designed to cover items at your property – from furniture, removable domestic appliances and white goods which belong to you as the landlord and that you have provided for the use of your tenant. It also covers your carpets and window furnishings.

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Insurance

  • Features and benefits

    Features and benefits

    The better you understand your policy, the easier it will be if you ever have to claim.  

    Here is a limited summary of the benefits of a landlord insurance policy. For full details of the terms, conditions, limits and exclusions that apply please read the Product Disclosure Statement (PDS), any applicable supplementary PDS and Landlord Buildings and Landlord Contents Key Fact Sheets (KFS) before making a decision to purchase the insurance. Select the cover to suit your needs. Effective 16 December 2019.

     

    Allianz offers protection for your investment property for out of the ordinary but devastating events such as fire, storm and burglary.

    Allianz will cover your legal liability up to $20 million for payment of compensation relating to death, bodily injury or illness, and/or physical loss of or damage to property.

    If your buildings are totally destroyed and need to be rebuilt, in addition to your buildings sum insured, Allianz will pay up to $5,000 to help you make the new buildings more environmentally friendly.

    In the event you require repair or replacement of your contents you own and provide for your tenant’s use. If you select buildings cover, Allianz will pay up to $10,000. Alternatively, if you select contents cover, Allianz will pay, up to the sum insured.

    If your buildings are damaged by an insured event and can’t be lived in by your tenant, or, Allianz agree access to or the use of your buildings was not possible Allianz will pay for your loss of rent on the buildings for up to 12 months.

    If you need to rebuild your buildings after total loss or damage, Allianz will help pay the reasonable costs of architects, engineers, surveyors and solicitors up to $5,000.

    Allianz will pay up to 10% of the building and/or contents sum insured for removing debris from your insured address if your buildings are damaged or destroyed by an insured event.

    When you need to make a claim Allianz are there for you with a 24 hour claims line, helping you get back on track again as soon as possible.

    Allianz will cover contents in the open air (that you own and that you have provided for your tenants use) which have been lost or damaged by an insured event covered by your policy, up to a maximum amount of $200.

  • Optional covers

    Optional covers

    Add any of these optional covers for an additional premium and greater cover.

     

    Cover for the compensation amount you are liable to pay if you employ a domestic worker and they are injured while working for you at the insured address. Only available in ACT, WA and TAS.

    Option to be covered for loss of rent due to specified rental defaults, up to $10,000 in total.

    Cover for loss or damage to your insured buildings or contents caused by theft, burglary or housebreaking committed by your tenant or invitees of your tenant.

    Flood cover may be available as an optional cover to your buildings. A 72 hour exclusion period applies.

  • Calculators

    Landlord insurance calculators

    It’s up to you to decide the sums insured, and the type and level of cover that you want to take out.

    People generally want enough insurance to cover the property’s estimated replacement value. If you don’t have enough cover, you could end up having to cover some of the costs yourself.

    Remember, Allianz will only pay up to the amount of your loss or the sum insured, whichever is the lesser - so you should also be careful not to over insure. That's why we've provided these calculators. They work as guides to help you estimate the replacement value of your landlord building and contents.

Key Information:
We do not provide advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply.
Before making a decision please refer to the relevant Home or Landlord Product Disclosure Statement (PDS), any applicable supplementary PDS and Home Buildings, Home Contents, Landlord Building or Landlord Contents key fact sheet/s also available for reference.

Need to make a claim?

Make a claim online or over the phone 24/7. For Building, Contents or Landlords Insurance. Call 1300 493 824 or claim online».

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Get in touch

  • Contact us Call 13 19 87

  • Enquiry Make an enquiry

    One of our friendly Financial Advisers will respond to your enquiry within one business day (Monday to Friday).

    All information is required unless otherwise stated as optional.

    We will respond to your enquiry within one business day.

    All information is required unless otherwise stated as optional.

    Home loan enquiry

    Simply provide your contact details below and one of our friendly home loan specialists will get back to you within one business day.

    One of our friendly Personal Loan Experts will respond to your enquiry within one business day.

    All information is required unless otherwise stated as optional.

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    Please be aware to borrow this amount you will be required to provide security. You may continue with your online enquiry, providing security where requested, or you can contact our Member Support Centre on 13 19 87 to discuss our security requirements prior to completing your enquiry.

    Security against Loan

    The car should be less then eight years old and for personal use only.

    The motorcycle should be less then seven years old at the end of the loan term. Please note that only on-road and dual purpose motorcycles are accepted as security for a Personal Loan.

    To be used as security this account must be held with the Newcastle Permanent. If you would like to transfer your Term Deposit to the Newcastle Permanent please contact our Member Support Centre on 13 19 87.

    If the property is mortgaged, the mortgage must be held with the Newcastle Permanent to be accepted as security. If you would like to transfer your Mortgage to the Newcastle Permanent please contact our Member Support Centre on 13 19 87.

    Financial statements for the past two financial years will be required to support your application.

    Please note that unemployment benefits are not accepted as eligible income to apply for a Personal Loan. You may contact our Member Support Centre directly on 13 19 87 for further clarification on acceptable sources of income.

    Acceptable Pension type: Aged, Disability, Veterans Affairs and Carers. If you are receiving any other type of pension you may not be eligible for a Personal Loan. Please contact our Member Support Centre on 13 19 87 to discuss your eligibility.

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    Here’s some information for you: Terms and conditions apply and will be included with our loan offer.

    Here’s some information for you: Newcastle Permanent Building Society AFSL 238273.

    Applications for finance are subject to Newcastle Permanent's normal credit approval process. Full terms and conditions will be included with our loan offer. Fees and charges are payable. Loans for commercial purposes are excluded.

    Here's some more information for you: This enquiry does not constitute a loan or pre-approval. Applications for credit are subject to Newcastle Permanents normal credit approval process. Full terms and conditions will be included with our loan offer. Fees and charges are payable.

    Here’s some information for you: Applications for finance are subject to Newcastle Permanent's normal credit approval process.

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Note for existing customers: If you purchased home or landlord insurance before 16 December 2019, please refer to the relevant Vital, Classic or Prestige Home Insurance or Landlord Insurance Product Disclosure Statements, any applicable supplementary PDS and Buildings or Contents Key Fact Sheet/s.

Home, Contents and Landlord Insurance is arranged by Newcastle Permanent Building Society Limited ACN 087 651 992, AFS Licence No. / Australian Credit Licence 238273 (NPBS) and is issued by the insurer Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence No. 234708 (Allianz). In arranging this insurance, NPBS acts under its own AFS Licence and as agent for Allianz under an agreement with Allianz. This information is general advice only and does not take into account your objectives, financial situation or needs. Policy terms, conditions, limits and exclusions apply. You should consider whether or not the insurance is appropriate for you and the relevant Product Disclosure Statement (PDS) in deciding whether to buy or continue to hold any of these insurance products. You can get a PDS for the relevant insurance product from any branch of NPBS or by phoning 13 19 87. We will receive a commission that is a percentage of the premium for insurance product sales. Our staff earn a salary and may also be eligible for annual and other discretionary performance bonuses that are based on a number of factors that include the amount of insurance products sold. Discretionary bonuses may be of a monetary or non-monetary nature. We may also receive other benefits under our agreement with Allianz that are not directly related to the services we provide you. We also have an arrangement with a related company of Allianz under which we provide services including but not limited to training, marketing, administrative and support services relating to some Allianz insurance products, and for this we receive a share of aggregate profits from those Allianz insurance products that we arrange. Ask us for more details before we provide you with any services. Further details can also be found in our Financial Services Guide.
This is a limited summary of cover only. For full details of the terms, conditions, limits and exclusions about our home insurances please refer to the relevant relevant Home and/or Landlord Product Disclosure Statements (PDS) and any applicable supplementary PDS before making a decision to purchase the insurance. To see some of the events covered and not covered, please refer to the Home Buildings, Home Contents, Landlord Buildings or Landlord Contents Key Fact Sheets (KFS).
<If you choose to pay your premium by instalments you do not pay us any more than if you pay your premium in one lump sum annually. The premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding. Note: Your financial institution may apply transaction fees to instalment payments.
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