General Frequently Asked Questions

What is Seniors Landlords Insurance?

Seniors Landlords Insurance covers you for a wide range of losses or damages incurred while renting out your property. It’s used to cover you for loss or damage due to natural disasters, malicious acts, theft by tenants, as well as certain damage caused by events as listed in the Seniors Home Insurance Product Disclosure Document.

How much does this policy cost?

Your premiums will depend on a variety of factors such as the location and type of property you own, your building and contents sum insured, and basic excess levels chosen.

What’s the difference between Seniors Landlords Insurance and Seniors Home & Contents Insurance?

While home and contents insurance also covers your property for certain expenses, it won’t cover damage incurred while your property is being used for rental purposes. Landlords insurance is designed specifically for rental properties — covering not only natural events, but also malicious acts and theft caused by a tenant.

How do I renew my landlords insurance policy?

If we offer renewal, the policy will automatically renew as per the renewal notice, unless you tell us otherwise. We will send you this renewal notice at least 14 days before your renewal date which will outline what you need to do to stay covered. You should check your renewal notice carefully and contact us on 13 13 43 if you need to make any changes to your policy or details.

With automatic renewal, your renewal notice will set out the proposed new policy terms and premium. If no changes are required to your policy and your premium payments are up to date, you don’t need to do anything – your policy will automatically renew. If you would like to opt out of automatic renewal, please email us at with your name, phone number, date of birth, and policy number.

If you opted out of automatic renewal, your renewal notice will advise you to call to continue your cover. We will provide you with a quote and policy terms. If you’re happy to proceed, we will renew your policy.

How do I lodge a landlords insurance claim?

It’s easy to lodge a landlords insurance claim with Australian Seniors.  You can lodge a claim online.  

Alternatively, you can call our claims team on 13 13 43 and our personal claims agents will help you through the process, step by step.

Can I cancel my policy?

Yes. With Seniors Landlords Insurance, you can cancel your policy at any time by contacting us. If you’ve already paid a yearly premium, we’ll refund the full amount less the amount covering the period you’re insured for and any government or statutory charges we’re unable to recover. You can also cancel your policy for a full refund, less any unrecoverable government or statutory charges, within 14 days of purchasing if you’re not completely satisfied, provided you haven’t made a claim in this time.

How do I pay my premiums?

You can easily pay your premiums by credit card or direct debit from your bank account. You can also set the frequency of premium payments to suit you, be it monthly or annually. Please note, you will pay less by paying annually.

Will this policy cover my property if it is unoccupied?

Yes – Seniors Landlords Insurance will continue to provide cover for your property for up to 90 consecutive days of vacancy. This means your cover will remain in place even if you are in between tenants. However, you must ensure your property is still maintained during this time with regular weekly check-ins and necessary yard work carried out.

You will also need to advise us of any changes in the status of your property as soon as you become aware. 

How often does my property need to be inspected?

We require you to carry out an authorised inspection of your property at least once a year. An inspection will also be required at the commencement of a new rental agreement, or when existing tenants vacate your property. These inspection reports may be required at claim time.

Are there any exclusions under this policy?

As with any insurance product, there are general exclusions not covered by Seniors Landlords Insurance. Refer to the PDS for a full list of exclusions.

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Talk to our friendly team about protecting your rental property today 1300 594 204. We are here 8am to 8pm Monday to Friday. You can also request a call-back at a time that suits you.