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accounts@affinitymc.com.au

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PO Box 1297, Bundoora VIC 3083

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Property Owners Insurance Brokers

Insurance options for Australian property owners, landlords and investors. From residential rental properties to commercial buildings and investment portfolios, AMC Insurance Brokers helps you explore cover suited to your property and its risks.

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INSURANCE FOR PROPERTY OWNERS

Property Owners Insurance: Protecting Your Property Investment

Owning an investment property comes with financial responsibilities and risks that extend beyond the building itself. From storm and fire damage to tenant-related incidents, liability claims and unexpected loss of rental income, an uninsured event can have a significant financial impact.

Whether you own a residential rental property, lease out a commercial building or manage multiple investment properties, your insurance requirements will depend on the property type, its occupancy, the way it is used and the risks associated with ownership.

Landlord insurance is an important consideration for residential property investors, while commercial property owners may require different insurance arrangements. Depending on the property and policy, cover may be available for building damage, landlord contents, certain tenant-related losses, legal liability and loss of rent following specified insured events.

At AMC Insurance Brokers, we help property owners and landlords understand their insurance options, consider relevant exposures and explore cover arrangements suited to their individual properties.

 

Protecting your property investment means looking beyond the building to the risks that can affect your ownership and rental income.

 

Your Property

Considering insurance options for buildings, fixtures, fittings and landlord-owned contents against specified events such as fire, storm and accidental damage, where covered.

Your Rental Income

Exploring cover for certain loss of rent following insured property damage, and selected tenant-related rental losses where available under an applicable landlord insurance policy.

Your Legal Liability

Considering liability insurance for certain claims involving third-party injury or property damage connected with your ownership of an insured property, subject to policy terms.

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COVERAGE DETAILS

What Can Property Owners & Landlord Insurance Cover?

The insurance available to property owners depends on whether the property is residential or commercial, how it is occupied, the risks insured and the terms of the relevant policy.

Building Insurance

Cover for certain insured loss or damage to buildings and permanent fixtures caused by specified events such as fire, storm, impact and other insured perils.

Contents Insurance

Cover may be available for landlord-owned contents, fixtures and furnishings at an insured rental property, subject to policy definitions, limits and exclusions.

Loss of Rent

Selected policies may cover certain rental income losses where insured property damage makes the premises untenantable. Separate tenant default benefits may be available under some landlord policies.

Tenant-Related Damage

Certain landlord policies may provide cover for specified malicious or deliberate damage caused by tenants, subject to the policy wording, evidence requirements, excesses and limits.

Property Owners Liability

Cover for certain legal liabilities involving third-party personal injury or property damage arising from ownership of the insured premises, subject to the policy's scope and exclusions.

Storm, Fire & Other Insured Events

Cover for specified physical loss or damage resulting from insured events. Flood, accidental damage and other additional risks may be subject to separate definitions, conditions or optional cover.

Commercial Property Insurance 

Insurance options for offices, retail buildings, industrial premises and other commercial properties, potentially including building, property owners liability and rental income cover.

Property Portfolio Insurance

Depending on insurer eligibility and property types, arrangements may be available to insure multiple investment properties, with terms and conditions applying to each location.

Coverage descriptions are general information only. Not all covers are included in a single policy. Residential landlord and commercial property insurance may be issued under different products, with different eligibility requirements, limits, exclusions and claims conditions.

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TARGET MARKET

Who do we protect?

Residential Landlords

Individuals who own houses, townhouses or apartments leased to residential tenants. We help Landlords consider options for insured building damage, landlord contents, and tenant-related losses and legal liability.

Property Investors & Portfolio Owners

Investors holding multiple residential or commercial properties. We help review insurance considerations across different property types, tenancies, occupancy arrangements and insured values.

Commercial Property Owners

Owners of offices, retail premises, warehouses and other commercial buildings. We can explore property insurance options for building damage, liability and certain rental income losses associated with insured events.

Strata Property Owners

Owners of investment units and properties within strata or owners corporation arrangements. We help consider individual landlord insurance needs alongside existing strata building insurance, identifying potential differences in cover.

 

 

Looking for Insurance for Your Property? 

Whether you own a single residential rental, lease out a commercial building or manage a growing property portfolio, AMC Insurance Brokers can help you explore insurance options suited to your property, tenants and ownership arrangements.

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OUR COMMITMENT TO YOU

Why choose AMC Insurance Brokers?

Insurance shouldn't be complicated, time-consuming or leave you wondering whether you've made the right choice. At AMC Insurance Brokers, we make arranging and managing your insurance simpler, with responsive service, access to a range of insurers and personal support when it matters.

 

Same Day Quotes 

Don't waste days waiting for an insurance quote. We aim to provide same-day quotes for eligible enquiries, helping you get on with business without unnecessary delays.

Competitive Cover

We approach suitable insurers and compare available options, helping you understand the cover, costs and key differences before making a decision.

Real Claims Support

When something goes wrong, you want someone in your corner. We assist with the claims process, communicate with insurers and help you understand the next steps.

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A DEEP DIVE INTO PROPERTY TYPES

Properties We Can Help Insure

From residential rental properties and investment apartments to commercial buildings and industrial premises, different property types come with different insurance considerations. The building's location, construction, occupancy and tenancy arrangements can all influence the cover available.

Residential Investment Properties

  • Rental houses
  • Investment townhouses
  • Residential units & apartments
  • Duplexes & villas
  • Long-term rental properties

Commercial Properties

  • Retail shops & shopfronts
  • Office buildings
  • Commercial investment units
  • Showrooms
  • Professional consulting premises

Industrial Properties

  • Industrial units
  • Warehouses
  • Workshops & trade premises
  • Storage facilities
  • Light industrial buildings

Strata & Multi-Property Investments

  • Strata investment units
  • Multi-unit investment properties
  • Mixed-use buildings
  • Residential property portfolios
  • Commercial property portfolios