Protect your investment with Landlord Insurance ACT
Safeguard your investment with cover that fits ACT landlord needs.
Trusted by thousands of property investors Australia wide
Why Landlord Insurance
matters in ACT
Owning a rental property in Canberra or regional ACT brings unique risks. Landlord insurance helps secure your property and income.
- Tenant damage
Accidental or malicious damage by tenants or their guests.
- Natural disasters
Bushfires, storms and floods.
- Rental income loss
Cover for unpaid rent or uninhabitable properties.
- Liability
Protection if someone is injured on your property.
What is Landlord Insurance?
Landlord insurance in the ACT is a type of cover designed to protect property owners who rent out their homes or investment properties. It typically includes protection for loss of rental income, damage caused by tenants, insured events such as fire or storm, and liability if someone is injured on the property. With rental laws in Canberra and the ACT placing clear responsibilities on landlords, this cover helps reduce financial risk and provides peace of mind when leasing a property.
Is Landlord Insurance mandatory in ACT?
No, landlord insurance is not legally required in ACT. It is strongly recommended to protect against unexpected costs from tenant damage, unpaid rent or liability claims.
What does Landlord Insurance
commonly cover in ACT?
Contents cover
Landlord items such as carpets, curtains and appliances.
Damage and theft by tenant cover
Accidental or malicious damage by tenants or guests.
Loss of rent
If the property becomes uninhabitable due to an insured event.
Tenant default
Cover if a tenant fails to pay rent or ends the lease early.
Public liability
Protection if someone is injured on the property.
How ACT rental laws affect landlords
Rental laws in ACT set out rights and responsibilities for landlords:
- Rent increases
Limited to once every 12 months for all leases.
- Notice periods
Clear rules apply for ending a tenancy.
- Pets
Tenants can request pets, and landlords may only refuse on reasonable grounds.
- Minimum standards
Properties must meet basic safety and quality requirements.
- Bond
Maximum bond limits apply depending on the rent charged.
Disclaimer: Rental laws are subject to change. Always consult the latest legislation or seek legal advice.
Factors that determine Landlord
Insurance premiums in ACT
Property location
Risk of bushfire or flood in the area.
Property type
House, unit or townhouse.
Building age and condition
Age and materials used.
Coverage level
Building, contents or both.
Sum insured
Value of the property and contents.
Claim history
Previous claims can affect premiums.
Security features
Locks, alarms or other measures.
Tenant type
Short-term, long-term, students or pet owners.
Excess amount
Higher excess can lower the premium.
Policy add-ons
Optional extras such as rent default cover.
Benefits of choosing Duo Insurance
Insurance should be clear, reliable and built to protect your investment. Duo Insurance delivers through:
- Clients claim advocation
- Expert advice
- Efficient claims process
How it works
Obtain a quick quote
Get an estimated premium by providing essential property details online.
01Finalise your application
Complete all necessary information, review policy terms, and submit your application.
02Protect your property
Once approved and payment is made, your policy is active, safeguarding your investment.
03Frequently Asked Questions
What isn’t covered under landlord insurance in ACT?
Most policies will not cover everyday wear and tear, lack of proper upkeep, damage from pests or mould, tenants’ personal property, or events that are not listed as insured.
Do I need landlord insurance if I already have building insurance?
Yes. Building insurance covers the structure, but landlord insurance protects against rental-specific risks such as tenant damage, loss of rent, and legal liability.
Are landlord insurance premiums tax deductible?
Generally, yes. Premiums can usually be claimed as an expense for investment properties. Always check with a tax adviser to make sure this applies to your circumstances.
Does landlord insurance in ACT cover tenants’ belongings?
No. Cover is limited to items supplied by the landlord such as carpets or appliances. Tenants need to arrange their own contents insurance for personal possessions.
Ready to get insured?
Ready to protect your ACT rental property?
Talk to our insurance specialists today and get expert guidance tailored to your needs.