Do I need landlord insurance for short-term rentals or Airbnb?

Yes, but not all policies cover short-term or holiday rentals. You’ll need a policy that specifically includes short-stay arrangements. Always confirm this with your insurer.

Can I claim landlord insurance premiums on tax?

Usually, yes. Premiums paid for a rental property are often tax-deductible. Check with the Australian Taxation Office or your accountant for details.

What happens if my tenant stops paying rent?

If your policy includes rent default cover, you may be able to claim for lost rent after a waiting period. Terms vary between insurers.

Does landlord insurance cover damage caused by pets?

Not always. Some insurers exclude pet-related damage, while others offer it as optional cover. If your property is pet-friendly, this is worth checking.

Do I still need landlord insurance if I have a property manager?

Yes. A property manager helps with tenant applications , screening and inspections, but they can’t prevent unexpected events. Landlord insurance ensures you’re financially protected.

What should I look for when choosing a policy?

Look at events covered, exclusions, claim limits, optional cover, and how much the insurer will pay in each situation. Always read the product disclosure statement carefully to know what questions to ask about your insurance .