Best Landlord Insurance in Victoria Melbourne and Geelong

All Good everything went smoothly second time around. Keep premiums affordable especially for No Claims Show details

Will was fantastic on the phone, so easy to talk to. Calm and helped me through the process. Show details

Our evaporative system failed due to a storm. First, the builder came up with excuses so Budget can avoid covering the damage. Then they suggested we… Read more

get an independent assessor. Once the assessor confirmed the damage, and they could no longer deny it, they changed their story. Now claiming the system is over 10 years old, so they wouldn’t cover it. The retention team offered to escalate the issue but warned us not to expect a positive outcome. It was only to notify the claims department that they hadn’t handled things properly. Save your time and money...this company is a waste of both. Absolute scammers!!!

Landlords insurance – Easy to fill out forms and can insured contents only with strata in place. Show details

Laz was really helpful and knowledgeable about the policy. For someone who has not sought landlord insurance previously, the ability to work us through the policy and options was big help. Much bettwr than just a set of questions online. Show details

In the market, this is the worst landlord insurance you can find. Place that money in your bank instead of paying them, so you can save it for when… Read more

you need it. You have not received anything from them despite your tenants causing 100 in damages. Following a 50-day claim process, these are the findings.

"The scratch marks on the flooring and dents on the walls are consistent with damage caused by carelessly moving furniture, rather than deliberate actions intended to maliciously deny you use of the property. The damage to the timber blinds appears to result from poor housekeeping and neglect, including inadequate supervision of children. The wall damage behind the doorknobs is consistent with insufficient maintenance, such as the absence of door stoppers, and accidental damage caused by doors opening against the wall. These items have been assessed in accordance with the terms and conditions of your policy." Entry:- front flyscreen damaged - Tenant neglect/ wear and tear - solid door issues (photo evidence from 2021 indicates missing timber slats) - Pre-existing damage Sitting Room: - Marks on vinyl flooring - Wear and tear - damage to plasterboard wall - Tenant neglect - timber blind damaged - failure to control childrenKitchen:- Kick board rotted- Wear and tear - overhead cabinet door hinge missing screw - Wear and tear - glass sliding door frame damaged - tenant neglect - holes in flyscreen - Wear and tear - marks on vinyl flooring - Wear and tear Bedroom 1: BIR (Built-In Robe) door track damaged come loose - Wear and tear - flooring marks - Wear and tear Toilet: - Toilet loose, cistern - Wear and tear Bathroom: - Vanity long-term water damage, skirt tiles falling off the wall, paint peeling off the ceiling - Wear and tear Bedroom 2:- BIR door track not installed; has come free from sliding doors - improper installation - vinyl flooring marks- Wear and tear- flyscreen has holes- wear and tear Main Bedroom: - Marks on vinyl flooring- Wear and tear - damage to plasterboard near the back of the shower base - Wear and tear - damage to old AC unit cover- Wear and tearWalk-In Robe: - Damage to plasterboard wall linings- Wear and tear Ensuite:- Toilet and cistern loose - Wear and tear Spa Bath: - Cladding missing, very dirty- poor housekeeping/ Wear and tear Cubby House: -Missing timber treads - Wear and tear - loss post with missing handrail (treads missing since 2021, tenants reportedly removed them)- Wear and tear

In order to avoid paying us back, they use terms such as neglect, malicious damage, wear and tear, and vandalism. They use these terms as per their convenience. What do they mean by landlord insurance? The spa has been completely damaged, and it has been classified as having very poor housekeeping. I think Alilianz expected that the property owner will stay with tenants and monitor their housekeeping, manage their kids, etc.

Now that Allianz has a poor reputation, they cheat us through our banks rather than giving us policies on their own behalf. My policy was purchased at Westpac and I did not realise it was Allianz, simply using Westpac's brand name.

Last but not least, the customer service:- I contacted the case officer via phone and email multiple times. I never received a response to my voicemails or emails. Their purpose is to prepare you to give up claiming by delaying the process.

When you make a claim. They are supposed to be there to help you. Yea not these guys. They pay out a claim get half way through it then decline it.… Read more

Time to bring in the dogs. If anyone has ever had a serious illegal drug claim with these muppets contant me please. I know how to prove manufacturing now. After what this company has done to me and my family and put us through. No forgiveness

Refuse to pay out until ACA ran a story on them. Disgusting. Show details

Dont bother. Stay away stay well away. Had multiple landlord policies with them. When claim was made couldnt even be bother to send an assessor out.… Read more

I asked multiple times for help. Send someone. End result claim partly paid like 2% rest of it was told to p*ss off like scum. Was treated terrible. Left a young family broke and paying thousands of dollars of bills for tenant damage.

Changing landlords insurance company Not happy – My unit was trashed and damaged Hard to contact did ,not phone back like promised and nobody would give me any details on what I could claim Needed… Read more

to get a meth test done on property , due to meth usage in the property.They would not confirm if it was covered if proven to be over the limit.They said they did not know and would have to find out They would ring me back,didn’t happen. The place was invested with cockroaches ,damaged kitchen the whole place was disgusting .A lot of rubbish and broken furniture to remove They don’t that Can’t get trades people in as booked out Can’t attempt to rent out due to condition and needing to replace items Asking if I can claim rent loss ,told no because the kitchen etc is still usable Who on earth would rent with it looking like that I am definitely going to change landlords insurance as I feel very let down

Disgraceful, sneaky and deceitful. Beware !!!!!!!!! – I am so devastated in the way I’ve been treated by this company. Two claims have been rejected now. I am at a huge financial loss and treated like an… Read more

idiot.

The first claim was after unprecedented rain and one room flooded as the water came back in through the sheets and the gutters overflowed. COLES said lack of maintenance. Not true. They proceeded to send a company out to try and prove my roof was in bad repair and took photos of other parts of the roof with a few rust stains. This roof an older roof that was maintained and recently had new screws and sheets replaced. Might as well not have insurance if they never pay. The second claim Coles have refused to pay tenant damage and loss of rent. I believe I did not have loss of rent on the cover so I except that and then took it out at a latter date in my policy. Lesson learnt there but the damage to property and items missing they will not pay. They said it’s not clear what went missing. There was furnishing missing and the damage was evident. I have 2 smashed windows, burnt carpet, holes in the walls ect. The kicker is Coles feel this is normal tenants neglect. ( I’ll I see a photo of their explanations) I have escalated this with Coles with no success so now I have to go to AFCA. It’s exhausting and it’s over a year! Coles takes a long time to get back to you and use many excuses why they dont. Coles are hard to talk to on the phone if your overseas even after requesting a phone number I could speak to someone.

If your looking for insurance please do not use Coles. Three dodge their responsibility to pay. What’s the point paying for insurance if tenants burn carpet and this is not insured! How is this normal living or breaking windows and punching holes in walls??? Please tell your friend and family AVOiD COLES INSURANCE!!!!!!!!

We have been with Apia for many years with multiple policies for our houses. They were competitive and helpful. However lately something has changed.… Read more

They become arrogant, difficult to contact and impossible to deal with. The premium has raised dramatically and it seems that they have adopted a policy of hiding from customer and ignoring him. Beware when getting a renewal from them as there is all set on automatic. You may choose another insurer but they will still keep taking money on a policy that already expired (even if you did not renew it!) and pretend ignorance. This is no longer insurance for elderly people! I have cancelled all remaining policies with them as they need to learn how capitalism works.

RACV Landlord Insurance – A Masterclass in Exclusion, Not Protection If you’re thinking about insuring your investment property with RACV, do… Read more

yourself a favour and read the fine print – then run. This so-called “landlord insurance” is less about protecting you and more about crafting every possible loophole to avoid paying out on even the most basic landlord claims.

Compared to industry leaders like Terry Sheer or Property Insurance Plus, RACV’s coverage is embarrassingly inadequate. Simple, everyday risks that other insurers automatically include are conveniently excluded or buried under conditions so restrictive that they might as well not exist. Things like:

Tenant damage – RACV’s definitions and requirements make it almost impossible to claim unless you’ve ticked every one of their microscopic boxes. Terry Sheer and PIP? They cover this without the acrobatics.

Loss of rent – With RACV, you’re lucky to get a cent unless you follow their overly rigid process and meet unrealistic timelines. Competitors offer broader, simpler, and more reliable loss-of-rent coverage.

Theft or vandalism by tenants – Other providers cover this as standard; RACV prefers to pass the buck.

Malicious damage – Often capped, limited, or excluded entirely, depending on their interpretation. With others, you know exactly what’s covered.

Their policy documents read more like an exercise in legal gymnastics than a genuine commitment to protect landlords. RACV’s marketing implies peace of mind; the reality is you’ll likely end up paying premiums for years only to discover your “protection” is a hollow promise.

In an industry where specialist providers like Terry Sheer and Property Insurance Plus have built reputations for clear, comprehensive coverage, RACV’s offering feels outdated, stingy, and hostile to the very customers it’s meant to serve.

Bottom line: If you want real protection for your rental property, look elsewhere. RACV’s landlord insurance is more like a subscription to disappointment.

Don’t waste your money on AAMI Landlord Insurance — consider yourself uninsured if you do. After 20 years of loyalty, I learned the hard way that it… Read more

means nothing to AAMI. The one time I genuinely needed support, AAMI was nowhere to be found. Their response was slow, unhelpful, and completely dismissive of the situation.

If you’re looking for an insurer who will stand by you when it counts, look elsewhere. AAMI failed me when I needed them most. I strongly recommend avoiding them and saving yourself the frustration and financial stress.

Appalling and too much blah. The broker sides with the loss adjuster which is of the same business, Marsh. How can you have faith this circumstance that might be construed as a conflict of interest? Show details

They Suck – If I could give zero, I would. I wouldn't bother with any product of Westpac.. Show details

Our insurance claim was approved 4 months ago, and since then, our bathroom walls and everything else have been removed — the place is completely… Read more

unliveable. We’re still waiting with no updates. The customer support is terrible. No one seems to know what’s happening with our claim or when the repairs will begin. Extremely disappointing and stressful experience.

Very happy to have cancelled my 2nd of 2 policies today. Very relieved. CGU Landlord Insurance are simply the worst. Completely dishonest and unhelpful. I would strongly urge anyone shopping for landlord to AVOID LIKE THE PLAGUE. Show details

Landlord insurance – Very unprofessional insurance,when you claim regarding call no one answering 1 hours after they transfer to call someone else 2 hours waiting then … Read more

disconnect your phone & no one call you back ,20 times doing Same things after 2 month reject tenants damage claims,be careful before get Woolworth insurance all [Content Removed].

Gio landlord insurance. This product feels like a scam? – I have to say that the "Gio Landlord Insurance" feels like a scam. It's hard not to feel like their product isn't a scam, if not bordering on a Ponzi… Read more

scheme? Well at least it feels like it is? I should warn anyone to be aware of deceptive practices conducted by GIO. The process took me almost 6 months, till finally being denied the claim. There is a pattern of behaviour that warrants investigation. From the use of sending out of multiple assessors, to continually evading the source of the damage. As a company GIO do not adhere to a code of conduct. I found the GIO staff deliberately tried to cause mental trauma and anguish upon me whilst processing the claim. I always remained calm and respectful, even whilst being taunted into being angered by case managers pretending not to know their own product! Believe me, they will give you the runaround and wear you down. From my own experience that's their modus operandi. The GIO team team handling your case will deliberately prolong the process whilst you continue to pay for their product. They will make you think that it's costing them money to review your claim, but in reality most people like myself continue to pay for the policy during the lengthy process. Just remember! They are not working in your interest, but in the interest of profit maximisation. You will feel that the investors are more important than your damaged property. Personally, there needs to be a class action looking into the behaviour of GIO as a company. I will be taking my claim further with the Ombudsmen in due time. Meanwhile, I need some time to recover from the mental anguish that GIO has caused on me before I proceed. As a customer, GIO should have treated me with a higher level of professionalism and dignity. I would recommend if others had a similar experience also report such matters.

I have spent 4 hours on hold trying to book a windscreen repair. Refused to use genuine parts, even though the manufacturer states genuine parts must… Read more

be used. Vero would only cover the cost of after market parts at their preferred repairer which is 90 minutes drive away. The claims team won't respond to emails.

Best broker ever – Best home loan rate and best professional service well done team

BE WARY - USELESS - a simple thing like resetting a password is impossible and then after an hour you are sent a form to go into WestPac - DO NOT USE

Cheap premium but worthless when claiming – Tenant accidentally dropped something on the cooktop and cracked the glass. First ever claim with SGUA after moving from AAMI (also not great) and… Read more

they didn't allow the claim advising that it's a common property issue that needs to be claimed through the building's strata insurance. Complete rubbish. Cheap premium is obviously too good to be true. Going to try CHU next at renewal time. Our building strata insurance is with them so will be difficult for them to use the same argument. Will post back after first claim with them and see how they go.

No way, don’t bother, stay well away from elders insurance – Absolutely disgraceful, had to battle the whole way for a claim that was denied after tenants trashed our property. Every time I countered their… Read more

reasons with proof they came up with another excuse to deny the claim. Even the police acknowledged that the damage was malicious yet Elders still denied the claim. We were loyal to elders for many many years and had even bought and sold farms with them and had never made a claim and they totally abandoned us when it was most needed. In correspondence relating to the claim Elders admit that damage was due to break and enter, forced entry and malicious damage but still ‘regretfully’ denied the claim