Landlord Insurance.
A tenant stops paying rent. A fire makes your property uninhabitable. A visitor gets injured on-site and makes a claim. Standard home insurance doesn't cover any of this. Co-Pilot finds landlord insurance across 90+ insurers that covers your building, your rental income, and your liability - so your investment keeps working.
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What Is It?
Landlord insurance - what it covers and why it's different from home insurance
Landlord Insurance is a must-have for anyone renting out a property. It covers you for unexpected costs - whether it's damage to your property, unpaid rent, or legal disputes. At Co-Pilot Finance & Insurance, we offer flexible cover to help you handle whatever comes your way, keeping your investment property profitable no matter the challenge.
Having the right cover in place means you won't be out of pocket if things go south. Whether it's a natural disaster, a careless tenant, or a legal issue, we're here to help you stay protected and keep your rental income flowing.
How It Works
The four things landlord insurance protects you against
Landlord insurance covers the situations that home insurance doesn't - and that investment property owners face most.
Property Damage
Whether it's fire, storms, vandalism, or tenant damage - we help cover the cost of repairs.
Liability Cover
If a tenant or visitor gets injured at your property and takes legal action, we've got you covered.
Loss of Rent
If your property becomes uninhabitable due to covered damage, we'll compensate you for lost rental income.
Rent Default & Tenant Theft
If a tenant stops paying rent or steals from the property, we help cover the financial losses.
With this kind of protection, you can keep renting out your property with confidence, knowing you won't be left footing the bill for things outside your control.
What's Included
What's included in a landlord insurance policy - standard and optional covers
Coverage varies significantly between insurers and policy types. Here's what a comprehensive landlord policy typically includes.
Building & Contents Damage
Protection against unexpected damage to your property's structure and furnishings provided by the landlord.
Accidental Breakage
Cover for accidental damage to glass and other breakable fixtures and fittings.
Water Damage
Repairs from burst pipes, flood damage, and storm-related water ingress.
Vandalism & Malicious Acts
Cover if a tenant or third party intentionally damages your property.
Debris Removal & Demolition
Covers the cost of clearing debris, waste, and demolition following a covered loss event.
Loss of Rental Income
Ongoing rental income cover while your property is uninhabitable following a covered event.
Rent Default & Tenant Theft
Cover if a tenant abandons the property without paying rent or removes items from the premises.
Liability Cover
Protects you from legal costs and medical and legal claims 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
If you rent out a house or unit, this insurance helps keep your investment secure.
Real Estate Investors
A must-have for those with multiple investment properties - protect each asset.
Property Managers
Agents or companies managing rentals on behalf of landlords should also consider getting covered.
Commercial Property Owners
Landlord cover can also apply to commercial spaces - this insurance helps protect your assets.
Short-Term Rental Hosts
Whether you host via Airbnb or Stayz, specialist cover is essential for short-term rentals.
First-Time Landlords
If you're just starting out, landlord insurance gives you the right foundation to protect your investment.
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
As an independent broker, we have no loyalty to any insurer. Our job is to find landlord cover that actually protects your investment - not the policy that earns someone a commission.
Insurer relationships that open doors
Access to 90+ insurers, including those with specialist appetite for short-term rentals, high-density buildings, and properties in flood-prone postcodes that standard insurers won't cover on preferred terms.
Honest advice on rent default cover and liability limits
Rent default and tenant damage are the two claims landlords make most - but standard policies vary widely on what they cover and up to what limit. We help you understand the difference before something goes wrong.
Clear communication, no surprises
We explain your policy in plain language, review it at each renewal, and are available when you need to make a claim - not just at sign-up.
With Co-Pilot Finance & Insurance, you're not just getting a policy - you're getting peace of mind. Protect your investment today.
Hear What Our Clients Are Saying
“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.”
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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.