Landlord Insurance

For Small Business First members

Landlord Insurance

Small Business First can refer you to Allianz for landlord insurance for your investment property.

Why choose landlord insurance through Small Business First:

  • Up to 30% No Claim Bonus1,3
  • Optional additional cover for Rent Default and Theft by Tenant
  • Option to pay by the month at no extra cost4

What you’ll get with landlord insurance through Small Business First:

  • Up to 10% discount on your first year's premium on your landlord's insurance policy when you buy online1,2
  • Cover against malicious damage by your tenants
  • Choose an excess level to suit your budget1,5
  • Get Legal liability protection of up to $10 million

What’s covered?

This is a summary only. For the standard terms, conditions, limits and exclusions of cover, please refer to the Landlord Insurance Product Disclosure Statements (PDS).

  Buildings Content
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Accidental breakage (of Glass)



Fire or smoke

Impact damage

Lightning or thunderbolt

Malicious Acts

Riot or civil commotion

Storm, rainwater or run-off

Theft, burglary or housebreaking


Water or other liquid damage


See other benefits    
Automatic indexation of sums insured

Contents in the open air at the risk address


Continuation of cover when you are selling your buildings


Fusion (burnout of household electrical motors)

Up to $10,000 Landlordís contents cover (only applies when buildings cover only is taken)


Legal liability - cover for legal liability for injury to other people or damage to their property

Mortgage discharge costs


Reinstatement of sum insured after a loss

Removal of debris, professional rebuilding fees and extra costs of complying with building regulations

Rental costs after an insured event

Available under contents cover only when the building is part of a strata title development

Replacement of locks or cylinders

Rainwater tanks and solar power systems


Optional additional covers Show    
Rent Default and Theft by Tenant

Landlord Workers’ Compensation (only available in ACT, WA and TAS)

Flood Cover (subject to eligibility)

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To review the Key Facts Sheets available for Landlord Buildings and/or Contents cover, click here.



How to claim

You can lodge a claim online 24 hours a day, 7 days a week. You'll receive a confirmation number for your reference and a friendly claims consultant will contact you as soon as possible.

Call 1300 555 013 and a consultant will take you through the claims process. The claims hotline is accessible 24/7.


Small Business First Pty Ltd ABN 15 604 335 104 AR Number 1235256 refers you to the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708 (Allianz) as the insurer’s agent. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision, please consider the Product Disclosure Statement. If you purchase this insurance, we will receive a commission that is a percentage of the premium. After an agreed premium threshold is met, we will also receive a marketing allowance from Allianz for promoting its products. This is calculated as a percentage of the premium on Home, Landlord, Motor, Caravan and Trailer and Commercial insurance policies referred by us to Allianz in the previous 12 month period. We will also receive a percentage of the profit which exceeds the profit threshold on Home (excluding flood), Landlord (excluding flood), Motor and Caravan and Trailer policies referred by us to Allianz (or renewed with Allianz) in each calendar year, provided that the relevant premium threshold is met. Ask us for more details before we provide you with services. If you are dissatisfied with our service or a service provided by a partner in any way contact us and we will seek to resolve the issue and promptly refer it to our partnersIf an issue has not been resolved to your satisfaction, you can lodge a complaint with the Australian Financial Complaints Authority, or AFCA. Please see our Terms of Service for more details.


1. Minimum premiums may apply. Any discounts / entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one discount, Allianz applies them in a predetermined order. This means the effect of applying any subsequent discount will be reduced. For example, the aggregate effect of applying two 10% discounts consecutively means that you will not see the full benefit of both these discounts. Discounts do not apply to taxes or government charges. No discounts are applied to optional cover; Domestic Workers Compensation (if available and selected).

2. A online discount of up to 10% for buying a new policy online is applied to your first year's premium, including for the following optional covers (if selected); Accidental Damage; Flood; Motor Burnout and Portable Contents. This discount will be reduced at renewal. Other discounts may apply from time to time for customers who purchase insurance via our Contact Centre.

3. To qualify for the maximum No Claim Bonus of 30%, landlord must have had no landlord losses in the preceding three years. However landlords who have had up to two claims may still qualify for reduced No Claim Bonus. The up to 30% No Claim Bonus discount is applied to our standard rates including optional Rent Default cover (if selected). This discount does not apply to the flood premium (where applicable). Allianz applies discounts to your premium in a predetermined order. This means the effect of applying any subsequent discounts will be reduced. Discounts do not apply to taxes or government charges. Any discounts may be subject to rounding. Minimum premiums may apply.

4. Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.
5. Not available when an imposed excess applies.


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