Protect your investment with Landlord Insurance WA
Safeguard your investment with cover that fits Western Australian landlords needs.
Trusted by thousands of property investors Australia wide
Why Landlord Insurance matters in WA
Owning a rental property in Perth or regional Western Australia comes with unique risks. Landlord insurance helps protect your investment and secure your rental income.
- Tenant damage
Accidental or malicious damage caused by tenants or their guests.
- Natural disasters
Bushfires, storms, floods and cyclones in northern regions.
- Rental income loss
Loss of rent if the property is uninhabitable or a tenant defaults.
- Liability
Cover if someone is injured on your property.
What is Landlord Insurance?
Landlord insurance in WA is a type of cover that protects property owners who rent out their houses, units, or 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 Western Australia’s rental laws and unique environmental risks, this cover helps landlords manage potential financial losses and maintain peace of mind when leasing their property.
Is Landlord Insurance mandatory in WA?
No, landlord insurance is not legally required in Western Australia. It is strongly recommended to protect against unexpected costs from natural disasters, tenant issues or liability claims.
What does Landlord Insurance commonly cover in WA?
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 WA rental laws affect landlords
Rental laws in Western Australia outline landlord obligations and tenant rights:
- Rent increases
Limited to once every 12 months.
- Notice periods
Specific notice required to end or change a tenancy.
- Advance rent
Maximum one month’s rent for fixed-term agreements.
- Minimum standards
Properties must be safe, secure and in good repair.
- Bond and rent in advance
Rules apply to how much can be collected and how it is lodged.
- Tenant rights
Clear rules around entry, maintenance and dispute resolution.
Disclaimer: Rental laws are subject to change. Always consult the latest legislation or seek legal advice.
Factors that determine Landlord
Insurance premiums in WA
Property location
Risk profile of the area, including bushfire or flood zones.
Property type
House, unit, townhouse or strata property.
Building age and condition
Age, materials and overall state of the property.
Coverage level
Type of cover selected such as building, contents or both.
Sum insured
The insured value or amount of cover chosen.
Claim history
Previous insurance claims made on the property.
Security features
Locks, alarms, cameras and other protective measures.
Tenant type
Short-term, long-term, students or tenants with pets.
Excess amount
Higher excess usually lowers the premium.
Policy add-ons
Optional extras such as rent default cover.
Taxes and charges
Stamp duty, state taxes and insurer loadings or discounts.
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 WA?
Policies usually exclude wear and tear, poor maintenance, tenants’ belongings, pests, mould, and issues not listed as insured. Always check the PDS for details.)
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 a property expense. Confirm with your tax adviser for your specific situation.
Does landlord insurance in WA covers tenants’ belongings?
No. It only covers the building and landlord-supplied items. Tenants must arrange their own contents insurance.
Ready to get insured?
Ready to protect your Western Australia rental property?
Talk to our insurance specialists today and get expert guidance tailored to your needs.