Landlord Insurance.
A tenant stops paying. A fire empties the place for three months. A visitor sues. Standard home insurance covers none of it. We compare landlord cover across 90+ insurers that protects the building, the rent and you.
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What Is It?
Landlord insurance - what it covers and why it's different from home insurance
Landlord insurance is home insurance rebuilt for a tenanted property. It covers the building, plus the risks an owner-occupier never faces: unpaid rent, tenant damage, and liability claims from the people living in your asset.
A standard home policy pays for none of that. If the property earns rent, it needs a landlord policy - and your tenant needs their own contents insurance for their belongings. The two don't overlap.
How It Works
The four things landlord insurance protects you against
These four are where landlord claims actually happen - and where cheap policies quietly cap or exclude cover.
Property Damage
Fire, storm, vandalism or tenant damage - the repair bill goes to the insurer, not you.
Liability Cover
A tenant or visitor gets injured and takes legal action - legal costs and compensation are covered.
Loss of Rent
The property becomes uninhabitable after a covered event - the policy replaces the rent while it's fixed.
Rent Default & Tenant Theft
A tenant stops paying or takes things on the way out - you're covered for the loss.
What's Included
What's included in a landlord insurance policy - standard and optional covers
Policies vary a lot between insurers - especially on rent default limits. Here's what a full landlord policy typically includes.
Building & Contents Damage
The structure, plus anything you provide - carpets, curtains, appliances.
Accidental Breakage
Glass and other breakable fixtures and fittings, covered when they crack.
Water Damage
Burst pipes, storm water ingress and covered flood events.
Vandalism & Malicious Acts
Deliberate damage by a tenant or third party - one of the most common landlord claims.
Debris Removal & Demolition
Clearing, demolition and waste removal after a covered loss.
Loss of Rental Income
The rent keeps arriving while the property is uninhabitable after a covered event.
Rent Default & Tenant Theft
A tenant leaves owing rent, or takes what isn't theirs - the policy picks it up.
Liability Cover
Legal costs and compensation if someone is injured at your property.
Who Needs It
Who needs landlord insurance - property types and investor situations
If you earn rental income from any property, a standard home insurance policy won't cover you. Landlord insurance is essential for:
Private Property Owners
One house or unit on the rental market carries every landlord risk. Cover it.
Real Estate Investors
Multiple properties, multiple tenancies - each one needs its own policy, set up properly.
Property Managers
Managing rentals for owners? Make sure the cover behind each property actually exists.
Commercial Property Owners
Landlord cover extends to commercial spaces - different risks, same principle.
Short-Term Rental Hosts
Airbnb or Stayz? A standard landlord policy usually won't cover short stays. Specialist cover will.
First-Time Landlords
Get the policy right before the first tenant, not after the first claim.
It's not just about protecting your property but also ensuring your rental income continues no matter what challenges come your way.
Why Co-Pilot
Why Co-Pilot for landlord insurance - not just any broker
Most landlords go direct to their existing home insurer. Here's why working with a specialist broker gets you better protection and better terms.
We work for you, not the insurer
We're independent. Our job is the cover that protects your investment, not the policy that pays the biggest commission.
90+ insurers, including the specialist ones
Short-term rentals, high-density buildings, flood-prone postcodes - we know who'll take them on decent terms.
Straight answers on rent default and liability limits
Rent default and tenant damage are the two claims landlords make most. Limits vary wildly - we show you the difference before you need it.
We show up at claim time
Plain-language policy, reviewed at renewal. When a tenancy goes wrong, we argue your case with the insurer.
With Co-Pilot Finance & Insurance, you're getting a policy that actually pays out when a tenancy goes wrong - not one you discover the gaps in at claim time.
Hear What Our Clients Are Saying
“We cannot recommend James highly enough. From the very beginning, he was absolutely phenomenal throughout the entire process. His communication was outstanding — always available 24/7 to answer any questions, provide updates, and genuinely support us every step of the way. James made what could have been a stressful experience feel smooth and manageable, always acting with professionalism, kindness, and care. Nothing was ever too much trouble for him, and we truly felt like he had our best interests at heart the entire time. His knowledge, dedication, and willingness to go above and beyond completely exceeded our expectations. We literally cannot fault him and are so grateful for everything he did for us. If you’re looking for a broker who is reliable, responsive, and genuinely amazing at what he does, James is the one.”
Eve McAlea
FAQ
Common Questions About Landlord Insurance
Your rental income is only as safe as your landlord insurance.
Co-Pilot compares landlord insurance across 90+ insurers to find cover that protects your building, your rental income, and your liability - tailored to your property type and tenancy situation.
No impact to your credit score