Landlord Insurance.

Benefits.

Building and chattels. Purpose-built cover for rental properties that covers your building, whiteware and window coverings, so you don’t need to take out a separate contents policy for appliances or curtains you provide your tenants.
Loss of rent. If your tenanted rental becomes unliveable after an insured event, we can help cover lost rent while repairs are completed (up to 8 months’ rent).
Tenant damage. Covers deliberate damage caused by tenants or their guests up to $20,000 for each event.
Meth contamination cover. Includes up to $30,000 cover for meth contamination damage and cleanup so you can get it rented out again.

What's covered.

Rest easy knowing your rental property is covered with Landlord’s Plus insurance that helps safeguard your investment. Here’s a summary of benefits.

	Landlord's Plus Cover
Extended sum insured for fire If your house is destroyed by fire, this benefit gives you up to 20% more cover than your sum insured. Excludes fires following natural hazards.	✓
Deliberate damage We’ll pay for deliberate damage caused by your tenants or their guests during the period of insurance to your house.	Up to $20,000
Loss of rent Up to eight months rent covered if your house is made uninhabitable by loss or damage covered under the policy while tenanted.	✓
Damage caused by a natural hazard If damage to your home exceeds the NHCover limit, we pay the difference up to your sum insured.	✓
Liability protection	Up to $20m
Hidden gradual water damage We'll repair damage to your home which is caused over time by a leak or overflow from an internal water pipe, hose, or tank.	Up to $2,000
Landlord's whiteware and window covering We'll cover up to $20,000 for your rental property's whiteware and window coverings. It means you won't need to take out a separate contents policy for any appliances or curtains you provide your tenants.	✓
Sustainability upgrade If your house is destroyed, we'll provide up to $15,000 for you to add or upgrade to sustainable products in your new house. Excludes losses caused by a natural hazard.	Up to $15,000
Garden retaining walls Cover for garden retaining walls automatically included.	Up to $25,000
Landscaping You’re covered for damage to your lawn, flowers, trees, hedges or shrubs, caused by fire damage to your home, or damage from a vehicle.	Up to $2,000
Pay only one excess Pay only one excess when claiming on multiple eligible policies for a single event. The highest excess applies.	✓
Policy wording	Download

This is a summary only. Limits apply. Westpac insurance is underwritten by Tower Limited.

Get a quote and apply online.

Already a Westpac customer?

Get an insurance quote in Westpac One® digital banking in minutes. If you’re not registered for Westpac One, call us on 0800 400 600 and press 6, or visit your nearest branch.

Login to Westpac One

New to Westpac?

Open an account online, then explore life and general insurance options.

Join Westpac

Make a claim.

1

Submit your claim online

Submit your claim online, giving as much information as possible.

2

We’ll review your claim

We’ll assess your claim and may contact you if we need more information.

3

Stay updated every step of the way

We'll keep you updated throughout the process. You can check your claim status and get your claim manager's direct dial number anytime from Westpac One.

Make a claim

Calculate your sum insured.

The sum insured is the maximum amount your insurance policy will pay out if your rental needs rebuilding and your claim is accepted. The Cordell Sum Sure calculator makes it easy to estimate your sum insured and gives you a figure to start with, so you can work out the amount of cover you need.

FAQs.

Things you should know.

Please read the policy wording to understand the terms, conditions, excesses, limits, sub-limits and exclusions that may apply. Cover is subject to the current underwriting criteria. Claims payments are subject to cover and approval.

Westpac general insurance products are arranged by Westpac New Zealand Limited (Westpac) and underwritten by Tower Limited (Tower). None of Westpac Banking Corporation ABN 33 007 457 141 (incorporated in Australia), Westpac, or any member of the Westpac group of companies guarantee the obligations of, or any products issued by, Tower or any member of the Tower group of companies. Westpac will receive commission payments as a result of the arrangement of Tower policies.