BSB 704052

Landlords insurance

Cover your investment for a range of scenarios including vandalism, malicious damage, theft, lost rental income, fire, lightning and storm or flood damage, falling trees and unforeseen catastrophes.

With Landlords insurance, you have peace of mind that you’ll be covered if your property is damaged or destroyed by specific events as set out in the policy wording.

Core Cover

Landlords insurance core defined events:
  • Fire
  • Collision
  • Explosion
  • Falling tree, branch or aerial
  • Lightning or thunderbolt
  • Damage by animals
  • Earthquake or tsunami
  • Riot
  • Theft (not by tenant)
  • Storm, rain or flood
  • Vandalism
  • Accidental glass breakage
  • Water or other liquid

You’ll also be covered for a number of benefits and any optional extras that you select.

Benefits and optional extras

Benefit Cover
Legal Liability $30 Million
Additional Benefits Cover
Building safeguard benefit
Environmental upgrade
Burning out of electrical motors (fusion cover)
Cover for loss of rent should your tenants be unable to live in the home as a result of damage caused by a defined event
Essential temporary repairs
Optional Benefits Cover
Cover for rent default Optional extra
Cover for theft and/or vandalism by tenants Optional extra


A range of ways to save

With QPCU there are various ways to enjoy discounts on your premium.

Security discounts

The more secure your property is - through deadlocks, window locks, and either local or monitored alarms – the less you may have to pay.  

Household no claim bonus

Continue to earn No Claim Bonus discount, up to our maximum level, the more years you go without making a claim.

Seniors discount

If any named Policyholders are over 50 years of age, you are entitled to the over 50s discount.

Multi-policy discount

Once you have one MemberCare insurance policy with us, we’ll give you a discount on each additional MemberCare policy.#

A choice of excess

Your excess is the initial amount you have to pay yourself if you make a claim, and we offer options of $100, $250, $300, $400, $500, $750, $1,000, $2,500, $5,000, $7,500 and $10,000.   The higher the excess you choose, the lower the premium you’ll pay.

Easy to arrange, simple to claim

The convenience of having Landlord’s Insurance under the same roof as your day to banking isn’t the only way we make life easier. From making your application to making a claim, QPCU ensures things are as straightforward as possible.

You can apply online, by phone, or at any branch. Flexible payment options include fortnightly, monthly or annual direct debit or credit card payments (excluding Diners Club).

If you do need to make a claim, we won’t make you wade through paperwork. Your claim will be made through a 24-hour emergency claims number, and in most cases, you need just provide details over the phone.

Download the product disclosure statement

Download the current PDS. PDSs are also available from QPCU branches or upon request.

Competitive, convenient cover backed by QBE

Landlord Cover is one of a comprehensive range of insurance solutions QPCU offers through our association with QBE Insurance.  

Founded in 1886, QBE is one of Australia’s leading insurers.   It’s because of QBE’s experience, security and strength – as well as its prompt, efficient and friendly claims service that we’ve made it our general insurance provider.  

This partnership enables us to deliver QPCU members quality and value in insurance products, with the added convenience of having everything under the same roof.

Important Notes

Terms, conditions and acceptance criteria apply. Cover limits apply as set out in the policy wording. This material does not take into account your personal needs, objectives and financial circumstances and you should consider whether it is appropriate for you. Please read the Product Disclosure Statement to decide if a product is right for you.

# Multi-policy discount is available on your first policy after renewal and is only available for Home, Landlords and Motor Vehicle policies that are purchased through the same financial institution.

Insurance issued by QBE Insurance (Australia) Limited ABN 78 003 191 035 AFS Licence 239545.

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