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Landlord Insurance

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 As a landlord, you need to reduce your vulnerability to vandalism, malicious damage, and theft. Not to mention lost rental income, should your property become unliveable because of major damage.

You also need protection from those unlikely, but still possible, risks like fire, lightning and storm or flood damage, falling trees and unforeseen catastrophes. 

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What is included?

  Core cover
  • Fire
  • Explosion
  • Lightning or thunderbolt
  • No average clause for under-insurance
  • Earthquake or Tsunami
  • Theft (not by tenant)
  • Vandalism
  • Water or other liquid
  • Collision
  • Falling tree, branch or aerial
  • Damage by animals
  • Riot
  • Storm, Rain or Flood
  • Accidental Glass Breakage
  • You’ll also be covered for a number of benefits and any optional extras that you select


Summary of benefits

Core benefit Cover
Legal Liability $30 million


Additional benefits Cover
Building safeguard benefits Yes
Environmental upgrade Yes
Burning out of electrical motors (fusion cover) Yes
Cover for loss of rent should your tenants be unable to live in the home as a result of damage caused by a defined event Yes
Essential temporary repairs Yes


Optional Benefit Cover
Cover by rent default Optional Extra

Cover for theft and/or vandalism by tenants

Optional Extra


Insurance Calculators

Home Insurance Calculator

  • The home insurance calculator will estimate the cost of rebuilding your home.
  • This is the amount you need to insure your home for (known as your ‘sum insured’).
  • QBE's estimate reflects where you live, the size of your home, and the materials / labour needed to rebuild.
  • It will also factor in costs that are often overlooked, such as architect and surveyors’ fees and debris removal.
  • This estimate isn’t the same as your home’s real estate value.
Use calculator

Contents Calculator

  • The contents insurance calculator estimates the cost of replacing your belongings.
  • This is the amount you need to insure your contents for (known as your ‘sum insured’).
  • QBE's estimate will reflect the value of your belongings, including higher risk items such as jewellery, electronics and gadgets.
  • Contents insurance includes new-for-old replacement on most items.
Use calculator
  A few things to remember
  • Costs vary over time, so review your sum insured every year.
  • Re-evaluate your sum insured when you renovate and make new purchases.
  • Accurate valuations can be provided by an independent professional such as a quantity surveyor, valuer or other suitably qualified professional.
  • The cost of rebuilding your home is not the same as its real estate value.
  Ways to save insurance costs

Security discounts

The more secure your property is – through deadlocks, window locks, and either local or monitored alarms – the less you may have to pay.

Household no claim bonus

Continue to earn No Claim Bonus discount, up to our maximum level, the more years you go without making a claim.

Multi-policy discount

Once you have one MemberCare insurance policy with us, we’ll give you a discount on each additional MemberCare policy number.

A Choice of Excess

Your excess is the initial amount you have to pay yourself if you make a claim, and we offer options of $100, $250, $300, $400, $500, $750, $1,000, $2,500, $5,000, $7,500 and $10,000. The higher the excess you choose, the lower the premium you’ll pay.

  Our relationship with QBE

Landlord Cover is one of a comprehensive range of insurance solutions Orange Credit Union offers through our association with QBE Insurance.

Founded in 1886, QBE is one of Australia’s leading insurers. It’s because of QBE’s experience, security and strength – as well as its prompt, efficient and friendly claims service – that we’ve made it our general insurance provider.

This partnership enables us to deliver Orange Credit Union's members quality and value in insurance products, with the added convenience of having everything under the same roof.

  Additional Product Information:

Important Information: As a holder of Australian Financial Services Licence (AFSL No. AFSL 240768.), Orange Credit Union can issue, vary, renew and cancel this insurance policy under a ‘binder’ provided by the Insurer. A ‘binder’ is an agreement that allows Orange Credit Union, as agent of the Insurer, to enter into contracts of insurance on behalf of the Insurer. This means that the insurance policy issued to you by Orange Credit Union is binding on the Insurer just as if it had issued the policy itself. Insurance policies are issued by QBE Insurance (Australia) Limited, ABN 78 003 191 035, AFS Licence 239545. Before making a decision about your insurance needs please refer to the Product Disclosure Statement and Target Market Demographic (TMD) available from Orange Credit Union.

Terms and Conditions apply: Multi-policy discount is not available on your first policy and only applies when all policies (excluding boat) are purchased through Orange Credit Union.


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