Landlord Building Insurance

Protect your important investment against the unexpected with a lifetime guarantee on all authorised repairs.+

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Landlord Building Insurance

Be covered for the following and more:

  • Legal liability cover

    Up to $20 million if someone hurts themselves or dies while on your property.

  • Damage due to weather events

    Including fire, floods, lightning, and storms.

  • Damage by people

    Including theft, vandalism and malicious acts (excludes by tenant).

  • Accidental breakage of glass

    If it’s a fixed part of your building.

  • Key and lock replacement

    Up to $500.

  • Demolition and removal of debris

    If your home has been destroyed by an insured event.

  • Water damage

    including bursts, leaks, discharge and overflows of water or liquid.

  • Riots, civil commotion and industrial unrest

    Including industrial and political disturbance.

  • Professional and rebuilding fees

    Fees involved in the repair or rebuild of your rental property as a result of an insured event (up to 10% of sum insured)

  • Legal liability cover

    Up to $20 million if someone hurts themselves or dies while on your property.

  • Damage due to weather events

    Including fire, floods, lightning, and storms.

  • Damage by people

    Including theft, vandalism and malicious acts (excludes by tenant).

  • Accidental breakage of glass

    If it’s a fixed part of your building.

  • Key and lock replacement

    Up to $500.

  • Demolition and removal of debris

    If your home has been destroyed by an insured event.

  • Water damage

    including bursts, leaks, discharge and overflows of water or liquid.

  • Riots, civil commotion and industrial unrest

    Including industrial and political disturbance.

  • Professional and rebuilding fees

    Fees involved in the repair or rebuild of your rental property as a result of an insured event (up to 10% of sum insured)

Optional Extras

  • Damage caused by tenants

    Includes theft by tenant.

  • Tenant's rent default

    Currently unavailable.

  • Motor burn out

    Up to $3,000 per claim for electric motors that are a part of your building and under 10 years old.

  • Loss of rent cover

    If your rental property becomes uninhabitable due to an insured event.

  • Damage caused by tenants

    Includes theft by tenant.

  • Tenant's rent default

    Currently unavailable.

  • Motor burn out

    Up to $3,000 per claim for electric motors that are a part of your building and under 10 years old.

  • Loss of rent cover

    If your rental property becomes uninhabitable due to an insured event.

With Coles Landlord Insurance, you can protect just the building, the contents, or take out a combined buildings and contents policy. You can also choose optional extras to match your needs.

Find out more on the Landlord Insurance Product Disclosure statement


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This is a high level summary of the Coles Landlord Building Insurance product. For full terms, product limits and conditions, please see the Product Disclosure Statement.

Choose a policy plan that works for you


Payment options to suit your budget

Choose to pay your insurance premium annually or in monthly instalments.

No exit fees

Cancel any time if your policy isn’t quite right for you, without being charged an exit fee.

Flexible excess

If you’re able to pay more in the unlikely event of an accident, you can save money on your premium by increasing your excess.

Feel more secure with quick, quality service

Lifetime Guarantee

Feel at ease with a Lifetime Guarantee on all building repairs we authorise and arrange+

Backed by experts

Get quality protection through our partnership with Australia’s largest insurer, IAG.

24/7 Claims

Lodge and manage a claim 24/7 through our online Insurance Service Centre.

Even more rewarding with flybuys

Make your everyday shop even more rewarding with flybuys when you take out any Coles Insurance policy (excluding third party) and link your flybuys number. 

Get rewarded

Earn Flybuys points for rewards and take advantage of great offers that’ll help you pocket a little more - in store and at home.#


More points for Car, Home & Landlord

Collect double Flybuys points at Coles Supermarkets when you take out a Coles Car, Home or Landlord Insurance policy (excluding third party).#

Get a trolley top up

Enjoy $10 off your Coles Supermarket shop each time you redeem 2,000 flybuys Points in-store at checkout.^

Find out more

Backed by experience

Brought to you by the supermarket trusted by Aussies for over 100 years and backed by IAG – Australia's largest insurer with over 160 years’ insurance experience.

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Terms & conditions

Offer criteria

^ 2,000 flybuys points are required to redeem $10 off at the checkout each time. Excludes Coles Express, Coles Local and Coles online. Minimum spend is $10.00 after savings and discounts in one transaction at Coles Supermarkets (excluding smoking/tobacco related product purchases and all gift cards).
 

Redeeming and earning flybuys points

# flybuys members collect 1 flybuys point for every dollar spent at Coles Supermarkets whenever they scan their flybuys card. flybuys members with Coles Insurance policies collect +1 extra point on each dollar spent at Coles Supermarkets for each policy whenever they scan their flybuys card. Maximum 1,000 extra points per policy per month. flybuys extra points are collected from the date your flybuys membership is linked to your Coles Insurance policy and for the term of the policy. No extra points collected on any third party car insurance policies. No flybuys extra points will be collected for the month in which your policy terminates. Standard flybuys Terms and Conditions apply. flybuys extra points are collected on transaction balance after savings and discounts excluding gift cards, iTunes cards, tobacco and tobacco related purchases. Coles supermarkets means Coles Supermarkets and Coles Online only.

Product related

Standard underwriting criteria apply. Coles Supermarkets Australia Pty Ltd (Coles) and Loyalty Pacific Pty Ltd are authorised representatives of the issuer, Insurance Australia Limited (ABN 11 000 016 722) (AFSL 227681), part of Insurance Australia Group (IAG). Any advice provided is of a general nature only and does not take into consideration your objectives, financial situation or needs. Before acting on any advice you should consider its appropriateness. You should read the Product Disclosure Statement before deciding whether to acquire an insurance policy.

+Policy limitations, exclusions and conditions apply. For full terms and conditions, see the Product Disclosure Statement.