Rental Insurance for Landlords With a Home Loan
A home loan remains payable when a tenant defaults. Rental insurance can form one layer of a broader plan for bonded rental-property cash flow.
Calculate the gap
Compare net rent after management and property costs with the bond instalment. Then model one, three and six months without rent.
Keep a cash reserve
Claims take assessment and remain subject to policy terms. Hold enough liquidity for excesses, waiting periods, uncovered costs and timing differences.
Protect the right risks
Buildings insurance addresses defined physical perils; tenant-default cover addresses qualifying non-payment. The lender’s requirements may not cover every landlord risk.
Apply before a problem
Arrange the lease, tenant vetting and suitable insurance before arrears. Known defaults generally cannot be insured retrospectively.
Protect the income behind your property investment
Request a RentalProtect quote based on your property, tenant and lease details.