Landlords Insurance

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Protection for your investment property made easy

A residential home investment property needs to be appropriately protected. Insurance can give you peace of mind and confidence that your property will be looked after should something go wrong.

TIO Landlord Insurance covers the property and the contents items you provide for your tenant's use.

Our online quote system will give you a quote in just a few minutes.

Why Landlord Insurance?

Insured events

Cover for fire or explosion, theft, flood, storm, cyclone, rainwater and hail, malicious damage and vandalism.


Up to $20 million legal liability cover

Rent default

Optional additional cover for Rent Default and Theft by Tenant.

For full details of the conditions, limits and exclusions on all our cover options, please refer to the Product Disclosure Statement

Frequently Asked Questions

Take all reasonable precautions to prevent further loss, damage or liability. Contact the police as soon as possible to report any theft or attempted theft, or damage caused by intentional acts, riots or vehicle impact. Contact the TIO Claims Contact Centre on 131 846 and advise the Claims Consultant of what has happened: the Claims Consultant will help you through the landlord insurance claims process.
No. To lodge a landlord insurance claim, all you have to do is call TIO and we will take the details over the phone.
Where we agree to replace your contents, we will arrange this for you – no quotes are required. We will discuss this when you call to lodge your landlord insurance claim.
Retain receipts, instruction booklets or any other documents that can help provide evidence of your ownership in the event of a claim. Retain a copy of your written rental agreement and details of the bond held. Claims staff will require this for loss of rent claims. Retain copies of any property inspection reports. Your claims consultant will advise you of what is required to help us process your claim quickly.
TIO has agreements with national suppliers to replace most items. We organise the quotes and replacement of your possessions and do most of the leg work for you.


Local contact centre and claims team

While it may sound so simple, when things happen, talking with someone who lives and works in the Territory becomes really important.

$13m in claims paid
(Jan – Dec 2016)

Our focus has, and always will be, about getting you and your family back in, and enjoying your home.

Choice of cover

Because we understand Territory conditions and know we all need different things from our insurance.

Next Steps

Policy Documents and Key Fact Sheets

For the standard terms, conditions and exclusions about our home insurance, please refer to the Product Disclosure Statement (PDS). To see some of the events covered and not covered, please refer to our Key Fact Sheets (KFS).