Who is eligible for a Everyday Landlord Insurance policy?

A Everyday Landlord Insurance policy is suitable for landlords looking for a rental agreement of more than three months duration. It should be kept in good repair and be reasonably protected from loss or damage. It also must comply with local government and statutory requirements. It shouldn't be: Used for holiday letting, temporary sharing or house-sitting arrangements Under construction or major repair

What excess do I need to pay?

The cost of your cover will depend on factors like the property's value, the range of contents you're insuring, your address and other factors. It will also depend on your excess. This is the amount you will need to contribute to a claim. Everyday Landlord Insurance lets you choose your own excess, although special excesses may apply to some claims. Malicious acts and theft by tenants: Your excess is the higher of either your chosen excess, or $500 Rent default and legal expenses: These claims have a fixed excess of $400

How do I make a claim with Everyday Landlord Insurance?

The claiming procedure is generally the same as home insurance. Where applicable you'll need to provide appropriate evidence of ownership and value, such as: Receipts Valuation certificates Card or bank statements Instruction manuals Warranties Photos Generally, you should contact Everyday Landlord Insurance as soon as reasonably possible, on the 24 hour claims line, if you intend to make a claim. If you're making a claim for theft, vandalism or other criminal acts you should contact the police first and get a police report.

Everyday Landlord Insurance Review

No reviews yet. Write a review

Our Verdict

Everyday Landlord Insurance is a good insurer if you're on the lookout for a popular insurer and you want money off your Woolies shop. However, its underwriter Hollard doesn't have the best complaints record.

Pros

Everyday landlord insurance is issued by The Hollard Insurance Company Pty Ltd, making them a good choice if you want a very popular insurer and underwriter. Hollard also issue policies for SGUA and Kogan.
It's good if you shop at Woolies — you get access to a 10% discount off your monthly shop if you're an Everyday Rewards member. T&C's apply.

Cons

Its underwriter Hollard doesn't have the best complaints record.

What does Everyday Landlord Insurance cover?

Everyday Landlord Insurance let you choose from 3 policies: building insurance, contents insurance, or combined building and contents insurance.

Here's some of the main insured events a Everyday Landlord Insurance policy can cover you for:

thunderstorm icon

Storms

fire icon

Fires

broken window icon

Accidental glass breakange

lock icon

Theft

water tap icon

Escape of liquid

Everyday Landlord Insurance (AR No. 245476) is issued by The Hollard Insurance Company Pty Ltd. and it offers a few different levels of excesses (an amount you pay when you make a claim). It has a 14-day cooling off period which is slightly lower than industry standards.

Everyday Landlord Insurance features

Standard features
Optional add-ons
Exclusions

Check icon

Standard features

Here are some of the features that a Everyday Landlord Insurance may cover you for if an insured event like a fire, storm or theft occurs.

Cover for malicious acts and theft by tenants
Removal of debris and trees
Loss of rent following damage
Outdoor contents at your home
Cover for strata title property

plus icon

Optional add-ons

Everyday Landlord Insurance doesn't offer a large amount of optional benefits as part of its landlord cover. It comes with these options:

- Motor Burnout
- Rent default and legal expenses

Exclusions

Everyday Landlord Insurance's general exclusions are similar to other insurers. Here's some of the main events you won't be covered for:

Bushfires, storm, rainwater or flood damage that happens within 72 hours of buying your policy
Damage to a home that has been unoccupied for more than 60 consecutive days
General wear and tear
Damage from vermin, insects, birds and wildlife

Earth movements like erosion, landslides and mudslides
Mould
Deliberate damage by you or other people invited to your home
Tree roots

For a full list of exclusions, make sure you read Everyday Landlord Insurance's PDS.

FAQs about Everyday Landlord Insurance

A Everyday Landlord Insurance policy is suitable for landlords looking for a rental agreement of more than three months duration. It should be kept in good repair and be reasonably protected from loss or damage. It also must comply with local government and statutory requirements. It shouldn't be:
- Used for holiday letting, temporary sharing or house-sitting arrangements
- Under construction or major repair
The cost of your cover will depend on factors like the property's value, the range of contents you're insuring, your address and other factors.
It will also depend on your excess. This is the amount you will need to contribute to a claim. Everyday Landlord Insurance lets you choose your own excess, although special excesses may apply to some claims.
- Malicious acts and theft by tenants: Your excess is the higher of either your chosen excess, or $500
- Rent default and legal expenses: These claims have a fixed excess of $400
The claiming procedure is generally the same as home insurance. Where applicable you'll need to provide appropriate evidence of ownership and value, such as:
Receipts
Valuation certificates
Card or bank statements
Instruction manuals
Warranties
Photos
Generally, you should contact Everyday Landlord Insurance as soon as reasonably possible, on the 24 hour claims line, if you intend to make a claim.
If you're making a claim for theft, vandalism or other criminal acts you should contact the police first and get a police report.

Thank you for your feedback!

Written by

Gary Ross Hunter

Journalist

Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise

Gary Ross has written 619 Finder guides across topics including:

Health, home, life, car, pet and travel insurance
Managing the cost of living

More resources on Finder

Kogan Landlord Insurance Review SGUA landlord insurance review

Ask a question

Click here to cancel reply.

Display name

Your email (will not be published)

Your question

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

More guides on Finder

Rent default
Rent default and loss of rent are 2 different features of landlord insurance you might need.
CBA Landlord Insurance Review
Read our break down of CBA landlord insurance.
RAA Landlord Insurance review
Find out if RAA landlord insurance has a policy that’s right for you.
Short-term rental and Airbnb insurance
Find out how to get short term rental and Airbnb insurance
Landlord Insurance QLD
Your guide to getting landlord insurance in Queensland.
Virgin Money landlord insurance review
Your quick guide to Virgin Money Landlord Insurance.
Coles landlord insurance review
Your guide to Coles Landlord Insurance.
How much does landlord insurance cost?
Landlord insurance can protect your investment from fire, theft, problem tenants and more.
Allianz Landlord Insurance review
Find out if Allianz Landlord Insurance is right for you with our review.
The best landlord insurance in Australia – 3 experts picks
The best landlord insurance is the one that you can trust to protect your investment when you're not there.