Landlord insurance in Western Australia (WA)
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A guide to landlord insurance in Western Australia (WA)
Updated 12 September 2024
What does landlord insurance cover?
It depends on the type of cover you have. Landlord building policies cover the home and other structures at the insured address of your investment property, which may include garages, fences and sheds.
Conversely, landlord contents insurance policies cover items in your investment home, including:
- Appliances
- Blinds and curtains
- Carpets and rugs
- Furniture
- Light fittings.
Cover for damage caused by tenants, loss of rental income and motor burnout may be included as optional extras for both building and contents policies.
Insured events
The table below is a guide to which insured events are generally covered by the different types of landlord insurance policies.
For more specific information, always read the relevant Product Disclosure Statement (PDS) for full details on insured events, exclusions and policy limits. The Target Market Determination (TMD) could also help you determine if the product is right for your situation.
| What is & isn’t covered? | Landlord building | Landlord contents | Landlord combined |
|---|---|---|---|
| Storm damage | ✓ | ✓ | ✓ |
| Fire damage | ✓ | ✓ | ✓ |
| Flood damage | ✓/Optional extra | ✓/Optional extra | ✓/Optional extra |
| Earthquake | ✓ | ✓ | ✓ |
| Movement of the sea | ✗ | ✗ | ✗ |
| Vandalism | ✓ | ✓ | ✓ |
| Theft | ✓ | ✓ | ✓ |
| Impact damage | ✓ | ✓ | ✓ |
| Portable contents | ✗ | Optional extra | Optional extra |
| Motor burnout | Optional extra | Optional extra | Optional extra |
| Damage from vermin | ✗ | ✗ | ✗ |
| Accidental damage | Optional extra | Optional extra | Optional extra |
| Escape of liquid (excluding the leaking item) | ✓ | ✓ | ✓ |
| Removing debris | ✓ | ✓ | ✓ |
| Damage to renovations | ✗ | ✗ | ✗ |
| Temporary accommodation | ✓ | ✓ | ✓ |
| Tenant default | Optional extra | Optional extra | Optional extra |
| Loss of rent | Optional extra | Optional extra | Optional extra |
| Malicious damage | Optional extra | Optional extra | Optional extra |
The cost of a landlord insurance policy in WA can vary depending on the following:
- The level of cover and sum insured total
- The basic excess on your policy
- The crime rate of the suburb
- Your investment home’s proximity to bushland
- Your area’s risk of weather events (e.g. storm surges or bushfires)
- If you’ve added any optional cover.
For more information, read more about how much home insurance costs.
Do I need landlord insurance in WA?
There’s technically no law stating that you need landlord insurance in WA. However, a landlord insurance policy could provide you peace of mind knowing that your investment property is covered for certain events. Otherwise, if your rental property is damaged during its tenancy by an event that’s usually covered, and you don’t have landlord insurance, you would have to pay for all the repairs or replacement costs.
Meet our home and contents insurance expert, Adrian Taylor
As a General Insurance expert with over 13 years’ experience in financial services, Adrian Taylor works to make it easier for homeowners, renters and landlords to protect their home and contents. He believes it’s important for all residents (whether they rent, own or lease) to have adequate financial cover for their property and belongings in case the worse should happen.