Why has the rent stopped?
Tenant default and lost rent after insured property damage are different events. Each has its own conditions, limits and evidence requirements.
PROPERTY OWNER RESOURCES
Landlord insurance.
Understand your cover.
A rental property comes with responsibilities—and unexpected moments. Know what to check before you need to claim.
Explore policy information ↗Victorian residential landlords · Reviewed 8 October 2026
START WITH THE RIGHT QUESTIONS
One property.
Different types of protection.
Check the policy for your property, tenancy and start or renewal date. The Product Disclosure Statement (PDS), any supplementary updates and your policy schedule together explain your cover.
What is actually insured?
Separate landlord contents and tenant-damage benefits from full building cover. For an apartment, review the owners corporation policy alongside your own insurance.
What if someone is injured?
Check legal liability cover, exclusions and limits for injury or damage to someone else’s property. Forward any demand to your insurer promptly.
Start with the insurer documents below and ASIC Moneysmart’s insurance checklist ↗.
COMMON RENTAL SITUATIONS
What might happen.
What to check.
These are questions to take to your insurer, not confirmation that an event is covered.
A renter falls behind or leaves.
Check default and absconding provisions, required notices or tribunal orders, bond treatment and the rent-payment limit. A normal gap between tenants is not automatically an insured loss.
The property is damaged by a renter.
Accidental, malicious and pet damage can have different definitions and limits. Wear, tear and gradual deterioration are not the same as insured damage.
A leak, fire or storm interrupts the tenancy.
Check the damaged item, cause and applicable building or contents section, then any loss-of-rent benefit. Maintenance issues and gradual leaks may be excluded.
Your plans for the property change.
Tell the insurer about extended vacancy, renovations or a proposed switch to short stays before proceeding. Ask whether the existing policy remains suitable.
Refer to the Terri Scheer Landlord Preferred PDS ↗ and EBM RentCover rental PDS ↗ for definitions and conditions.
INSURANCE PROVIDERS WE WORK WITH
Terri Scheer & EBM RentCover.
Explore the official documents and ask the provider which product suits your circumstances. These links open the provider’s website.
Landlord & building policies.
Landlord Preferred includes specified rental risks and tenant-related building damage. It is not comprehensive building insurance. Review the separate Landlord Residential Building Insurance where relevant.
The document library lists the Landlord Preferred PDS for policies starting or renewing from 10 August 2024, and the building PDS from 28 June 2025. Select the version that applies to your policy.
View PDS, updates & TMDs ↗Ultra & Platinum.
RentCover Ultra is designed for properties where the building is insured separately, including through strata. Platinum adds building protection for insured events such as fire, storm and flood, subject to its terms.
The official library links the rental PDS for Ultra, Platinum and Householders Rental, plus product-specific Target Market Determinations (TMDs) and the Financial Services Guide.
View PDS, TMDs & FSG ↗Explore Ultra and building-cover differences ↗Before taking out or renewing a policy
Compare the insured amounts, rebuilding costs where applicable, rent limits, excesses, exclusions and special conditions—not just the premium. Check any changes to your property or tenancy and keep the current schedule with the applicable PDS and updates.
VICTORIAN RENTAL RESPONSIBILITIES
Insurance sits alongside
good property care.
Since 25 November 2025, rental properties must meet minimum standards before advertising. From 1 December 2025, internal window-covering cords must be secured to prevent loops.
Urgent repairs require an immediate response; non-urgent repairs must be completed within 14 days of a written request. Arrange urgent safety work promptly and contact the insurer about claim requirements.
New energy-efficiency minimum standards begin from 1 March 2027. Check the official guidance for the requirements and timing relevant to your property.
WHEN SOMETHING HAPPENS
Act early. Keep a clear record.
Make it safe.
Address immediate danger and take reasonable steps to prevent further loss. Notify the insurer promptly; seek approval before non-emergency repairs or replacement.
Gather the documents.
Keep photographs, the lease, rent ledger, condition reports, notices and repair invoices. Report theft or malicious damage to police as required by your policy.
Coordinate the next steps.
For an Ausky-managed property, contact your property manager about available tenancy records and repair coordination. The insurer assesses eligibility and decides the claim.
Check your policy’s claim conditions and deadlines. EBM claim information and forms ↗
YOUR INVESTMENT. OUR ATTENTION.
Talk to Ausky about
your rental property.
We can discuss property management and direct you to the relevant insurance provider.
General information for Victorian residential landlords, reviewed 8 October 2026. This is not personal insurance, financial or legal advice. Cover depends on your selected product, policy schedule, applicable PDS and updates, exclusions, limits and excesses. Ask the provider to confirm your cover; this page does not guarantee a claim outcome.