Protect your investment with Landlord Insurance NSW
Safeguard your investment with cover that fits NSW landlord needs.
Trusted by thousands of property investors Australia wide
Why Landlord Insurance matters in NSW
Owning an investment property in New South Wales, whether in Sydney or regional areas, comes with unique risks.
- Tenant-related damage
Accidental or malicious damage caused by tenants or their guests.
- Contents damage from natural disasters
Bushfires, floods, storms and other severe weather events.
- Rental default
Loss of rent if the property becomes uninhabitable or a tenant defaults.
- Legal liabilities
Protection if a tenant or visitor is injured on your property.
What is Landlord Insurance?
Landlord insurance in NSW is a type of cover that helps protect property owners who rent out their houses, apartments, or any other investment properties. It can include protection for loss of rental income, tenant-related damage, insured events like fire, storm, or flood, and liability if someone is injured on the property. With rental laws in New South Wales setting clear obligations for landlords, this cover helps reduce financial risks and provides confidence when managing a rental property.
Is Landlord Insurance mandatory in NSW?
Landlord insurance is not legally required in New South Wales. It is highly recommended for landlords because it provides a range of important protections. Having this type of insurance can give landlords greater peace of mind, helping to safeguard their investment and reduce the financial burden that can arise from unforeseen circumstances.
What does Landlord Insurance
commonly cover in NSW?
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 NSW rental laws affect landlords
As of 19 May 2025, major changes to rental laws in NSW include:
- Notice periods
Landlords must give longer notice to end a tenancy – 60 days for leases of six months or less, and 90 days for leases longer than six months.
- Rent increases
Limited to once every 12 months for all lease types.
- Pet ownership
Landlords can no longer apply blanket bans on pets. A pet can only be refused under specific, valid conditions (such as property type or council restrictions).
Disclaimer: Rental laws are subject to change. Always consult the latest legislation or seek legal advice.
Breaking a Fixed-term Lease
Break lease fees in NSW (for leases signed after March 23, 2020)
Less than 25% of the lease expired: 4 weeks' rent
25% or more, but less than 50% expired: 3 weeks' rent
50% or more, but less than 75% expired: 2 weeks' rent
75% or more expired: 1 week's rent
Factors that determine Landlord
Insurance premiums in NSW
Property location
Risk levels associated with the property's area.
Property type
House, apartment, townhouse or other property types.
Coverage level
Extent of coverage chosen such as building, contents or both.
Claim history
Previous claims made on the property.
Security features
Presence of alarms, locks and other security measures.
Tenant type
Short-term or long-term tenants.
Excess amount
The deductible amount chosen.
Policy add-ons
Additional coverage options selected.
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 NSW?
Landlord insurance usually does not cover tenants’ belongings, general wear and tear, poor maintenance, structural defects, or deliberate illegal acts by tenants. Always check the Product Disclosure Statement (PDS) for exact exclusions.
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?
Yes, premiums are generally tax deductible as an expense on investment properties. Always confirm with a tax adviser for your personal situation.
Does landlord insurance in NSW cover tenants’ belongings?
No. Landlord insurance does not cover tenants’ personal possessions. Tenants should arrange their own contents insurance.)
Ready to get insured?
Ready to protect your NSW rental property?
Talk to our insurance specialists today and get expert guidance tailored to your needs.