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Landlord Insurance

Protect your investment with Landlord Insurance

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Protection for your investment property made easy.

Southern Cross Credit Union gives you the confidence to have the right insurance protection for your investment property and its contents.


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You have worked hard to establish your investment property and the income it provides. That is why protection for your investment property is essential.

Landlord insurance benefits:

  • Up to 30% No Claim Bonus *+
  • Optional additional cover for rent default and theft by tenant
  • Pay by the month at no extra cost#



  Building Contents
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Key benefits Yes Yes
Accidental breakage of glass Yes Yes
Earthquake Yes Yes
Explosion Yes Yes
Fire or smoke Yes Yes
Impact damage Yes Yes
Lightning or thunderbolt Yes Yes
Riot or civil commotion Yes Yes
Storm, rainwater or run-off Yes Yes
Theft, burgularly or housebreaking Yes Yes
Tsunami Yes Yes
Water of other liquid damage Yes Yes
Automatic indexation of sums insured Yes Yes
Contents in the open air at the risk address   Yes
Continuation of cover when you are selling your buildings Yes  
Fusion Yes Yes
Landlord's contents Up to $10,000  
Legal liability - cover for injury to other people or their property Yes  
Mortgage discharge costs Yes  
Reinstatement of sum insured after a loss Yes  
Removal of debris, professional rebuilding fees and extra costs of complying with building regulations Yes  
Rental costs after an insured event Yes Yes
Available under contents cover only when the building is part of a strata title development
Replacement of locks or cylinders Yes Yes
Rainwater tanks and solar water heater Yes  
Optional additional covers    
Flood Cover1 Yes Yes
Rent default and theft by tenant    
Strata title mortgage protection2    
Landlord Workers' Compensation3    
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1 Flood Cover is available for all eligible property addresses. Flood Cover is an option on both Building and Contents in hom e and landlords insurance policies. The cover is designed to protect customers against damage to their building and/or contents in the event of a Flood up to the value of their sum insured. Flood cover is subject to eligibility.
2 This cover only applies if the building is part of a strata title development.
3 Landlord Workers’ Compensation is only available in ACT, TAS and WA.

To make an insurance claim online:

Online, any time

The fastest, easiest way is via our online claim form. You can submit your insurance claim notification 24 hours a day, 7 days a week, whenever it suits you.

It generally takes less than 10 minutes to complete the online claim form, and once we receive it, one of our friendly claims consultants will contact you within 48 business hours.

  • Secure form
  • There are no phone queues
  • Immediate confirmation number for your reference
  • You can submit your home insurance claim form 24 hours a day, 7 days a week

Submit your claim to our underwriter via the online claim form.

Over the phone - 24 hours a day, 7 days a week Allianz claims lodgement hotline - 1300 555 030

Alternatively, you can call us on 1300 360 744 during business hours and one of our friendly consultants will take you through the claims process.

Southern Cross Credit Union ABN 82 087 650 682 AFSL 241000 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708.

We do not provide advice on this insurance based on any consideration of your objectives, financial position or need. Policy terms, conditions, limits, exclusion and underwriting criteria apply. Before making a decision please consider the relevant Product Disclosure Statement available here and the Key Facts Sheet.

If you purchase this insurance, Southern Cross Credit Union will receive a commission that is a percentage of the ‎‎premium. Ask us for more details before we provide you with any services on this product.

+ To qualify for the maximum No Claim Bonus of 30%, customers must have had no landlord insurance claims in the preceding three years. However, customers who have had up to two claims may still qualify for reduced No Claim Bonus.   # Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.

~ Excess choice not available where an excess higher than the standard excess has been imposed.

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