RAA Landlord Insurance offers a comprehensive option for landlords looking to insure their property. It exceeds other insurers in some areas but is lacking in others.
Includes unique features like up to $3,000 worth of cover for damage caused by your tenant's domestic pets.
Includes cover for loss of rent due to various reasons like prevention of access and tenant hardship. Limits for this vary, see the PDS.
Includes cover for un-tenantable rental property. This means RAA may pay up to 52 weeks' lost rent if the property becomes uninhabitable due to an insured event.
Cons
You're only covered for 10% of your total sum insured for things like theft damage.
There is only $500 worth of cover available for tribunal fees and representation costs, but fees can far exceed this.
RAA is only available to those with a rental property located in South Australia. It is not available Australia-wide.
How does RAA compare with other popular landlord insurers?
RAA Landlord Insurance includes cover for tenant damage - both accidental and malicious - as standard. Other landlord insurers have this available only as an optional extra at an added cost. However, RAA's loss of rent benefit limits are lower than other popular insurers. For example, RAA offers cover for 20 weeks' worth of lost rent due to tenant default and prevention of access to the property. Other insurers offer up to 2 years worth of lost rent cover.
See RAA’s Landlord Insurance policy in more detail
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How to make a claim with RAA Landlord Insurance
Lodge Your Claim
Call RAA at 8202 4575 (Monday to Friday, 8:30 AM – 5:00 PM). Provide relevant information to support your claim, such as:
Proof of ownership (purchase details, receipts, photos).
Written statements or correspondence related to the claim.
Any legal notices, court proceedings, or offers of settlement.
Access to relevant documents for investigation.
RAA will:
Inform you if an Excess applies and how to pay it.
Provide a claim number.
Guide you on next steps​.
Claim Assessment
RAA will assess:
If your policy covers the loss, damage, or theft.
Whether the damage matches the incident described.
If the claim is affected by any limits, exclusions, or conditions​.
Claim Settlement
If accepted, RAA will:
Repair your insured property using new and equivalent materials.
Replace items if repair costs exceed replacement costs.
Provide cash payment (if applicable) based on the lowest repair/replacement cost minus any discounts available to RAA.
Deduct any Excesses or outstanding premiums before finalizing the payout​.
FAQs
Yes, your rental property needs to be located within South Australia for you to be eligible for a policy with RAA.
Peta Taylor is a publisher at Finder, working across all of insurance. She's been analysing product disclosure statements and publishing articles for over 2 years. Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. Peta is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year. See full bio
The best landlord insurance is the one that you can trust to protect your investment when you're not there.
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