Call us to get a quote
  • Pay monthly at no extra cost
  • Cover starts immediately with 21 days to pay
  • Member benefits and savings
  • Multi-policy holder discount

RAA Landlord and Short Stay Insurance

RAA Landlord and Short Stay Insurance protects your hard-earned investment against loss or damage caused by tenants or guests. If the unexpected happens, you can rest easy knowing you’re in good hands

Plus, your policy comes with RAA membership, giving you access to a whole world of benefits and savings.

Summary of rental property benefits

Landlord (Permanent) Rental

Short Stay (Holiday) Rental

Landlord (Permanent) Rental

Short Stay (Holiday) Rental

  • 1
    Rental Property Benefits

    Accidental loss or damage caused by a tenant

    Accidental loss or damage to your insured property caused by a tenant or guest of a tenant excluding where the loss is as a result of their neglect or any domestic pet visiting or kept at the property.
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  • 1

    Domestic pet damage

    Loss or damage to your insured property caused by a domestic cat or dog owned by a tenant and shown on the Lease Agreement, capped at $3,000 for all claims (less any deposit or bond you are entitled to)’.
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    fa-check
  • 1

    Loss of rent (tenant default)

    Your loss of rent if after taking all steps legally available to you: your tenant leaves the rental property before the end of their rental term without the required notice; your tenant stops paying rent owed; your tenant is legally evicted from the rental property prior to the end of the term of lease; or, your tenant is the sole tenant and dies unexpectedly before the end of the lease term. Cover is capped at 20 weeks’ rent or less if the property is re-let or the lease expires within that period.
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  • 1

    Loss of rent (tenant hardship)

    Your loss of rent if your tenant is granted a release from their lease agreement by a residential tenancies tribunal or another relevant authority on the grounds of hardship.  Cover is capped at 6 weeks’ rent or less if the property is re-let or the lease expires within that period.
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  • Loss of rent (prevention of access)

    Loss of up to 20 weeks' rent (which would have otherwise been payable) while your tenant's access is restricted to the rental property due to loss or damage at a neighbouring property not as a result of an insured event.
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  • Replacement of locks and keys (Tenant default)

    We’ll cover your out of pocket costs of up to $500 (less any deposit or bond you're entitled to) for re-barrelling and/or replacing house locks, keys or changing the house key codes if we've agreed to pay your claim for loss of rent (tenant default), and the tenant hasn't returned their keys. 
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  • Tribunal fees and representation costs

    We’ll cover fees incurred as a result of evicting or recouping rent in a tribunal setting charged by your property manager under your property management agreement or by the tribunal up to $500 (less any deposit or bond you're entitled to).
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  • Un-tenantable rental property benefit

    We’ll cover your loss of rent that would've otherwise been payable for a maximum of 52 weeks if the rental property becomes unfit to live in as a result of an insured event and we've agreed to pay for that loss or damage, or if an insured event causes loss or damage to a neighbouring property and access to the rental property is prevented. The amount of rent is determined differently between Landlord (Permanent Rental) and Short Stay (Holiday) Rental.
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Summary of rental property benefits

Use the drop-down menus to compare options

Landlord (Permanent) Rental
Short Stay (Holiday) Rental
Landlord (Permanent) Rental
Short Stay (Holiday) Rental
  • 1
    Rental Property Benefits

    Accidental loss or damage caused by a tenant

    Accidental loss or damage to your insured property caused by a tenant or guest of a tenant excluding where the loss is as a result of their neglect or any domestic pet visiting or kept at the property.
    fa-check
    fa-check
  • 1

    Domestic pet damage

    Loss or damage to your insured property caused by a domestic cat or dog owned by a tenant and shown on the Lease Agreement, capped at $3,000 for all claims (less any deposit or bond you are entitled to)’.
    fa-check
    fa-check
  • 1

    Loss of rent (tenant default)

    Your loss of rent if after taking all steps legally available to you: your tenant leaves the rental property before the end of their rental term without the required notice; your tenant stops paying rent owed; your tenant is legally evicted from the rental property prior to the end of the term of lease; or, your tenant is the sole tenant and dies unexpectedly before the end of the lease term. Cover is capped at 20 weeks’ rent or less if the property is re-let or the lease expires within that period.
    fa-check
    fa-times
  • 1

    Loss of rent (tenant hardship)

    Your loss of rent if your tenant is granted a release from their lease agreement by a residential tenancies tribunal or another relevant authority on the grounds of hardship.  Cover is capped at 6 weeks’ rent or less if the property is re-let or the lease expires within that period.
    fa-check
    fa-times
  • Loss of rent (prevention of access)

    Loss of up to 20 weeks' rent (which would have otherwise been payable) while your tenant's access is restricted to the rental property due to loss or damage at a neighbouring property not as a result of an insured event.
    fa-check
    fa-check
  • Replacement of locks and keys (Tenant default)

    We’ll cover your out of pocket costs of up to $500 (less any deposit or bond you're entitled to) for re-barrelling and/or replacing house locks, keys or changing the house key codes if we've agreed to pay your claim for loss of rent (tenant default), and the tenant hasn't returned their keys. 
    fa-check
    fa-times
  • Tribunal fees and representation costs

    We’ll cover fees incurred as a result of evicting or recouping rent in a tribunal setting charged by your property manager under your property management agreement or by the tribunal up to $500 (less any deposit or bond you're entitled to).
    fa-check
    fa-times
  • Un-tenantable rental property benefit

    We’ll cover your loss of rent that would've otherwise been payable for a maximum of 52 weeks if the rental property becomes unfit to live in as a result of an insured event and we've agreed to pay for that loss or damage, or if an insured event causes loss or damage to a neighbouring property and access to the rental property is prevented. The amount of rent is determined differently between Landlord (Permanent Rental) and Short Stay (Holiday) Rental.
    fa-check
    fa-check

Why choose RAA?

  • 10% multi-policy discount

    We give you a 10% discount on each policy when you hold three or more insurance policies with RAA (except Travel Insurance), in the same name.
  • Member benefits and savings

    If you're not already an RAA member, taking out an RAA insurance policy will automatically make you a member, giving you access to some amazing benefits and discounts.
  • We're SA local

    We’re based right here in SA, so you’ll always deal with a local. We’re proud of our commitment to do more for South Australians.

Summary of Insured Events

With options to cover the building only, rental furnishings only, or building and rental furnishings on your permanent or short stay rental property.
 
  • 1

    Malicious damage and intentional damage

    Loss or damage to insured property as a result of malicious damage and intentional damage caused by vandals, a tenant or a guest of a tenant. 
    Loss or damage up to 10% of the sum insured
  • 1

    Fire, including bushfire

    Loss or damage to insured property as a result of fire, including bushfire. Limitations apply to cover for bushfire for the first 48 hours of your policy.
    Cover loss or damage
  • 1

    Burglary or theft by tenant or guest

    Loss or damage to insured property as a result of burglary, theft, or attempted theft, by a tenant or a guest of a tenant. Cover for loss or damage is capped at 10% of the sum insured for all claims. Limitations apply for the first 48 hours of your policy.
    Cover up to 10% of the sum insured
  • 1

    Burglary or theft by someone other than the tenant or guest

    Loss or damage to insured property as a result of burglary, theft or attempted theft by someone other than the tenant or a guest of a tenant that involves violent and forcible entry. Limitations apply for the first 48 hours of your policy.
    Cover loss or damage
  • 1

    Flood

    We'll cover you for loss or damage as a result of a flood. Limitations apply to cover flood for the first 72 hours of your policy.
    Cover loss or damage
  • Storm and rainwater runoff

    We'll cover you for loss or damage as a result of storm or rainwater runoff. Limitations apply to cover for storm and rainwater runoff for the first 48 hours of your policy.
    Cover loss or damage
  • Lightning

    Loss or damage to insured property as a result of lightning.
    Cover loss or damage
  • Earthquake or tsunami

    We'll cover you for loss or damage as a result of an earthquake or tsunami. Limitations apply to cover for earthquake or tsunami for the first 48 hours of your policy.
    Cover loss or damage
  • Explosion

    Loss or damage to insured property as a result of explosion.
    Cover loss or damage
  • Bursting, leaking or overflowing

    We'll cover you for loss or damage caused by incidents such as a burst water main, or an overflowing washing machine or dishwasher.
    Cover loss or damage
  • Riot or civil commotion

    Loss or damage to insured property as a result of riot or civil commotion.
    Cover loss or damage
  • Impact

    We'll cover you for loss or damage caused by incidents such as a fallen tree or vehicle impact.
    Cover loss or damage
  • Damage by an animal

    We’ll cover you for loss or damage caused by an animal excluding vermin, insects, birds and termites or where the animal entered, or is kept at, the property with your consent or the consent of a tenant or a guest of a tenant.
    Cover loss or damage

Summary of Insured Events

With options to cover the building only, rental furnishings only, or building and rental furnishings on your permanent or short stay rental property.

Use the drop-down menus to compare options

 
  • 1

    Malicious damage and intentional damage

    Loss or damage to insured property as a result of malicious damage and intentional damage caused by vandals, a tenant or a guest of a tenant. 
    Loss or damage up to 10% of the sum insured
  • 1

    Fire, including bushfire

    Loss or damage to insured property as a result of fire, including bushfire. Limitations apply to cover for bushfire for the first 48 hours of your policy.
    Cover loss or damage
  • 1

    Burglary or theft by tenant or guest

    Loss or damage to insured property as a result of burglary, theft, or attempted theft, by a tenant or a guest of a tenant. Cover for loss or damage is capped at 10% of the sum insured for all claims. Limitations apply for the first 48 hours of your policy.
    Cover up to 10% of the sum insured
  • 1

    Burglary or theft by someone other than the tenant or guest

    Loss or damage to insured property as a result of burglary, theft or attempted theft by someone other than the tenant or a guest of a tenant that involves violent and forcible entry. Limitations apply for the first 48 hours of your policy.
    Cover loss or damage
  • 1

    Flood

    We'll cover you for loss or damage as a result of a flood. Limitations apply to cover flood for the first 72 hours of your policy.
    Cover loss or damage
  • Storm and rainwater runoff

    We'll cover you for loss or damage as a result of storm or rainwater runoff. Limitations apply to cover for storm and rainwater runoff for the first 48 hours of your policy.
    Cover loss or damage
  • Lightning

    Loss or damage to insured property as a result of lightning.
    Cover loss or damage
  • Earthquake or tsunami

    We'll cover you for loss or damage as a result of an earthquake or tsunami. Limitations apply to cover for earthquake or tsunami for the first 48 hours of your policy.
    Cover loss or damage
  • Explosion

    Loss or damage to insured property as a result of explosion.
    Cover loss or damage
  • Bursting, leaking or overflowing

    We'll cover you for loss or damage caused by incidents such as a burst water main, or an overflowing washing machine or dishwasher.
    Cover loss or damage
  • Riot or civil commotion

    Loss or damage to insured property as a result of riot or civil commotion.
    Cover loss or damage
  • Impact

    We'll cover you for loss or damage caused by incidents such as a fallen tree or vehicle impact.
    Cover loss or damage
  • Damage by an animal

    We’ll cover you for loss or damage caused by an animal excluding vermin, insects, birds and termites or where the animal entered, or is kept at, the property with your consent or the consent of a tenant or a guest of a tenant.
    Cover loss or damage

We're here to help

  • Call us

    Monday to Friday, 8am to 6pm
    Saturday, 9am to 12pm
  • Enquire online

    After some advice? Send us a message and we'll contact you
  • Find a shop

    Drop in and chat face-to-face
  • Help centre

    View key documents and more 

Things you should know

The information included in this website and in our brochures is a summary and is intended as a guide only. Each section should be read subject to the full terms, conditions and exclusions as set out in the Landlord and Short Stay Insurance Product Disclosure Statement (PDS). RAA Insurance products are issued by RAA Insurance Limited, ABN 14 007 872 602, AFS Licence No. 232525.

For details on your rights and benefits as an RAA member, please refer to the Membership Terms and Conditions.