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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

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I had an excellent experience with Sarah. She guided me through the finance process for my Honda Fit and made everything simple and transparent from start to finish. The approval was fast, and her customer service was genuinely the best I’ve experienced. She took the time to explain my options, answered all my questions, and made sure everything went through smoothly. I really appreciated her professionalism and friendly approach. Highly recommend her if you’re looking for finance support.

Dinith G

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.

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