Landlords Insurance

Whether you’re looking for basic or extended protection, La Trobe Financial has you covered. Our Landlords insurance products offer a broad range of protection and coverage options with the added flexibility of paying premiums with your regular loan repayments if you are one of our Borrower customers, or a frequency that suits your needs without the surcharge often applied by other insurers.* If you are an Investor or client or someone who just wants insurance with personal service; either way we would love to assist you.

* Additional transaction fees may apply for Bpay, cheque & credit card payments.

As an Authorised Representative of one of Australia’s leading insurers, Insurance Australia Limited trading as CGU Insurance, La Trobe Financial offers the following insurance products.

The information below is a brief summary of just some of the features and benefits available when you insure your investment property through La Trobe Financial.

Features & Benefits
Landlord Protection gives Property Investors protection against the following:
  • Accidental Damage to Buildings & Contents
  • The ability to insure contents in properties being rented on a furnished basis
  • Basic rental income protection whilst property uninhabitable due to an insured event
  • Extended rental income protection for rental default by tenants
  • Loss or damage caused by tenants &/or their visitors (including accidental or malicious breakage of fixed glass)
  • Pay premiums monthly for no additional cost
  • Optional Legal Liability Cover
  • Optional Workers Compensation Cover
  • For La Trobe Financial Lending customers – combine your monthly mortgage & insurance premium payments into one easy to manage Direct Debit.
Accidental damage
Items covered by Accidental Damage include but are not limited to;
  • Accidental breakage of fixed glass including;
    • Any window tinting or shatter proofing material attached to the glass
    • Fixed shower bases, basins, sinks, spas, baths and toilets
  • Fire or explosion
  • Impact by a vehicle
Contents cover
Contents coverage is an optional feature of Landlord Protection. Items include but are not limited to;
  • Carpets, curtains & internal blinds,
  • Furniture & fittings owned by you that are not built in
  • Swimming pools
  • Portable domestic appliances that are not built in
  • Items thinly covered with gold or silver that are not jewellery or watches.
Mortgage discharge costs
If you make a claim for the total loss of your building that is accepted, legal costs to discharge your mortgage will be covered.
Protection for purchasers in the event of sale
If you have entered into a contract to sell your rental property, building cover will be extended to cover the purchaser until settlement, purchaser insures the rental property or the purchaser becomes liable for damage to the rental property.
Types of buildings/structures Covered
Structures covered under building include but are not limited to;
  • Residential buildings (including: Professional offices or surgeries in those buildings)
  • Domestic Outbuildings
  • Boat jetties or pontoons for which you are legally responsible for.

Extended Cover Options:

Loss of rent
Should your rental property suffer damage that makes it uninhabitable, cover is available for any loss of rent equal to the amount listed on your rental agreement or periodic tenancy agreement for up to twelve (12) months.
Rent default or theft by a tenant
This is available as OPTIONAL cover and includes any rental default or theft by a tenant and relevant legal costs incurred.
Strata Title Mortgagee Protection
This is available as OPTIONAL cover and will cover the amount you must pay to settle your mortgage following loss or damage to buildings that you own under a strata title or similar plan. This cover is only claimable in the event that the Body Corporate/Owners Corporation has not insured the buildings in general or for events covered by this policy.

Home & Contents Insurance

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Landlords Insurance

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Commercial Property Insurance

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La Trobe Financial Services Pty Limited ABN 30 006 479 527 is an authorised representative of the product issuer, insurer Insurance Australia Limited ABN 11 000 016 722 trading as CGU Insurance.
This page contains general advice only and may not suit your particular circumstances. Before making decisions about insurance products it is important for you to read the Product Disclosure Statement ("PDS") accompanying each product before you make an insurance decision and you should consider carefully whether or not the insurance available is appropriate for you.