Its membership benefits are pretty good. When you take out an RAA landlord insurance policy, you automatically become an RAA member and get access to benefits including Big W discounts and money off other insurance products.
It's one of the few insurers that also offers short stay landlord insurance, ideal if you're looking to rent out a holiday home or Airbnb.
It's not for everyone — only people with property in South Australia can get a policy.
RAA landlord insurance policies
Here are the policies that you can get through RAA:
Landlord (Permanent) Rental
This type of policy is for traditional rentals and cover you for several insured events such as storms, theft, fire and vandalism.
Short Stay (Holiday) Rental
RAA is one of a handful of insurers that provide short term rental insurance for landlords looking to rent out their holiday home or property. To be eligible, your property must be used primarily as a rental property and you mustn't be there for more than 50% of the time, unless RAA has agreed with you otherwise. Like Landlord (Permanent) Rental insurance, you can get cover for the building only, the contents only or a combination of the two.
Here's some of the main insured events you'll be covered for with RAA landlord insurance.
An RAA landlord insurance policy comes with the following inclusions as standard:
Legal costs
Un-tenantable rental property benefit
Removal of debris and rebuilding costs
Replacement of locks
Tribunal fees and representation costs
Optional add-ons
You can pay extra to get covered for the following add ons with your RAA landlord insurance policy:
Accidental breakage of glass and sanitary fixtures
Motor burnout
Removal of debris and rebuilding costs
Replacement of locks
Legal costs (no limit)
Exclusions
RAA will not pay your claim for any of the following reasons:
Loss of value
Electronic information
Earth movement
Deliberate acts or omissions
Action of the sea
Asbestos
Breaching or failing to comply
Business activity
Check out RAA's PDS for a more detailed breakdown of exclusions. You can also find more information about general exclusions here.
Frequently asked questions
Landlord insurance is a pretty useful product, yeah. It's like a safety net for your investment property. It covers you for things like fire, storms, and even tenant damage. That means less stress and more peace of mind for you.
Yep, they're like cousins - from the same family but still different. Both protect the building itself, but landlord insurance is specifically designed for rental properties. It often includes extra cover for things like loss of rent and tenant damage.
RAA Insurance Limited underwrites their home insurance policies.
They're definitely up there! They've got a reputation for being reliable and easy to deal with, and they've won a bunch of awards for their customer service. Plus, they're a not-for-profit, so they're all about helping Aussies, not just making money.
Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio
Gary Ross's expertise
Gary Ross has written 644 Finder guides across topics including:
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