Protect your investment with Landlord Insurance SA
Safeguard your investment with cover that fits South Australian landlord needs.
Trusted by thousands of property investors Australia wide
Why Landlord Insurance matters in South Australia
Owning an investment property in South Australia, whether in Adelaide or regional areas, comes with unique risks.
- Severe weather
South Australia experiences severe storms, strong winds, hail and occasional heavy rainfall.
- Bushfires
A significant risk in rural, semi-rural and outer suburban parts of South Australia, especially during summer.
- Tenant-related damage
Accidental or malicious damage caused by tenants or their guests.
- 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.
- Vacancy risks
In tourism areas and regional towns.
What is Landlord Insurance?
Landlord insurance in SA 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 South Australia setting clear obligations for landlords, this cover helps reduce financial risks and provides confidence when managing a rental property.
Is Landlord Insurance mandatory in SA?
Landlord insurance is not legally required in South Australia. 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 SA?
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 SA rental laws affect landlords
As of 19 May 2025, major changes to rental laws in SA 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.
- Ban on rent bidding and extra fees
No charging above advertised rent or extra costs.
- Minimum standards
Homes must meet safety and quality standards before being rented.
- Annual smoke alarm checks
Mandatory for all rental properties.
Disclaimer: Rental laws are subject to change. Always consult the latest legislation or seek legal advice.
Factors that determine Landlord
Insurance premiums in SA
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 SA?
Landlord insurance typically does not cover tenants’ belongings, normal wear and tear, poor maintenance, structural defects, or intentional or 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 SA 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 SA rental property?
Talk to our insurance specialists today and get expert guidance tailored to your needs.