# Does landlord insurance cover tenant damage (16 figures)

> The Landlord Cover Matrix carries 16 published figures read from 9 sources' own pages, from 500 to 20,000,000 AUD, read 12 October 2026.

Insurance by Profession · https://insurancebyprofession.com/datasets/landlord-cover-matrix/ · computed 2026-10-19

**Range of the published figures:** 500 to 20,000,000 AUD (range 500 to 20,000,000 AUD; 16 published figures; 16 of 24 sources read publish one).

16 of the 24 named sources read in full publish a figure; 8 publish none, read 12 October 2026.

## By peril

| Breakdown | Median | Range | Sources |
|---|---|---|---|
| peril contents | 25,000 GBP | 25,000 to 25,000 GBP | 1 |
| peril contents | 70,000 AUD | 70,000 to 70,000 AUD | 1 |
| peril buildings | 1,750,000 GBP | 1,000,000 to 2,500,000 GBP | 2 |
| peril legal-expenses | 50,000 GBP | 50,000 to 50,000 GBP | 2 |
| peril legal-expenses | 1,750 AUD | 500 to 3,000 AUD | 2 |
| peril rent-default | 10,000 AUD | 10,000 to 10,000 AUD | 3 |
| peril rent-default | 100,000 GBP | 100,000 to 100,000 GBP | 1 |
| peril property-owners-liability | 20,000,000 AUD | 20,000,000 to 20,000,000 AUD | 4 |
| peril property-owners-liability | 5,000,000 GBP | 5,000,000 to 5,000,000 GBP | 3 |
| peril office-bearers-liability | 1,000,000 AUD | 1,000,000 to 1,000,000 AUD | 1 |
| peril loss-of-rent | 25,000 AUD | 25,000 to 25,000 AUD | 2 |
| peril loss-of-rent | 150,000 GBP | 150,000 to 150,000 GBP | 1 |
| peril legal-liability | 20,000,000 AUD | 20,000,000 to 20,000,000 AUD | 1 |
| peril employers-liability | 10,000,000 GBP | 10,000,000 to 10,000,000 GBP | 1 |
| peril tenant-damage | 70,000 AUD | 70,000 to 70,000 AUD | 1 |
| peril theft | 70,000 AUD | 70,000 to 70,000 AUD | 1 |
| peril home-emergency | 750 GBP | 500 to 1,000 GBP | 2 |
| peril pet-damage | 5,000 GBP | 5,000 to 5,000 GBP | 1 |

## Every figure, with its source

One row per source: the figure the source's own page publishes, the page, and the day it was read.

| Source | Figure | Breakdown | Read |
|---|---|---|---|
| [Suncorp landlord insurance (Australia)](https://www.suncorp.com.au/insurance/home/landlord.html) | 20,000,000 AUD | property-owners-liability | 2026-10-12 |
| [AAMI landlord insurance (Australia)](https://www.aami.com.au/home-insurance/landlord-insurance) | 20,000,000 AUD | property-owners-liability | 2026-10-12 |
| [NRMA landlord insurance (NSW)](https://www.nrma.com.au/home-insurance/landlord-insurance) | 20,000,000 AUD | legal-liability | 2026-10-12 |
| [Allianz landlord insurance (Australia)](https://www.allianz.com.au/home-insurance/landlord.html) | 20,000,000 AUD | property-owners-liability | 2026-10-12 |
| [GIO landlord insurance (Australia)](https://www.gio.com.au/home-insurance/landlord.html) | 20,000,000 AUD | property-owners-liability | 2026-10-12 |
| [Alan Boswell property portfolio insurance](https://www.alanboswell.com/landlord-insurance/property-portfolio-insurance/) | 10,000,000 GBP | employers-liability | 2026-10-12 |
| [Alan Boswell property portfolio insurance](https://www.alanboswell.com/landlord-insurance/property-portfolio-insurance/) | 5,000,000 GBP | property-owners-liability | 2026-10-12 |
| [Hiscox landlords insurance](https://www.hiscox.co.uk/landlords-insurance) | 5,000,000 GBP | property-owners-liability | 2026-10-12 |
| [Simply Business what landlord insurance covers](https://www.simplybusiness.co.uk/landlord-insurance/faq/what-does-landlord-insurance-cover/) | 5,000,000 GBP | property-owners-liability | 2026-10-12 |
| [Vasek landlord insurance](https://www.vasek.co.uk/landlord-insurance) | 2,500,000 GBP | buildings | 2026-10-12 |
| [AAMI landlord insurance (Australia)](https://www.aami.com.au/home-insurance/landlord-insurance) | 1,000,000 AUD | office-bearers-liability | 2026-10-12 |
| [Hiscox landlords insurance](https://www.hiscox.co.uk/landlords-insurance) | 1,000,000 GBP | buildings | 2026-10-12 |
| [Hiscox landlords insurance](https://www.hiscox.co.uk/landlords-insurance) | 150,000 GBP | loss-of-rent | 2026-10-12 |
| [Simply Business what landlord insurance covers](https://www.simplybusiness.co.uk/landlord-insurance/faq/what-does-landlord-insurance-cover/) | 100,000 GBP | rent-default | 2026-10-12 |
| [EBM RentCover Platinum (Australia)](https://www.rentcover.com.au/landlord-insurance/platinum/) | 70,000 AUD | tenant-damage | 2026-10-12 |
| [EBM RentCover Platinum (Australia)](https://www.rentcover.com.au/landlord-insurance/platinum/) | 70,000 AUD | theft | 2026-10-12 |
| [EBM RentCover Platinum (Australia)](https://www.rentcover.com.au/landlord-insurance/platinum/) | 70,000 AUD | contents | 2026-10-12 |
| [Coversure residential landlord insurance](https://www.coversure.co.uk/insurance/landlord/) | 50,000 GBP | legal-expenses | 2026-10-12 |
| [Cover4LetProperty rent guarantee and legal protection](https://www.cover4letproperty.co.uk/products/rent-guarantee-insurance/) | 50,000 GBP | legal-expenses | 2026-10-12 |
| [Endsleigh / Protect My Let multi-property landlord insurance](https://www.endsleigh.co.uk/commercial/landlord-insurance/multi-property-landlord-insurance/) | 25,000 GBP | contents | 2026-10-12 |
| [AAMI landlord insurance (Australia)](https://www.aami.com.au/home-insurance/landlord-insurance) | 25,000 AUD | loss-of-rent | 2026-10-12 |
| [Allianz landlord insurance (Australia)](https://www.allianz.com.au/home-insurance/landlord.html) | 25,000 AUD | loss-of-rent | 2026-10-12 |
| [GIO landlord insurance (Australia)](https://www.gio.com.au/home-insurance/landlord.html) | 10,000 AUD | rent-default | 2026-10-12 |
| [RACV landlord insurance (Victoria)](https://www.racv.com.au/insurance/home-insurance/landlord.html) | 10,000 AUD | rent-default | 2026-10-12 |
| [Allianz landlord insurance (Australia)](https://www.allianz.com.au/home-insurance/landlord.html) | 10,000 AUD | rent-default | 2026-10-12 |
| [Simply Business what landlord insurance covers](https://www.simplybusiness.co.uk/landlord-insurance/faq/what-does-landlord-insurance-cover/) | 5,000 GBP | pet-damage | 2026-10-12 |
| [Allianz Australia rent default cover](https://www.allianz.com.au/home-insurance/rent-default.html) | 3,000 AUD | legal-expenses | 2026-10-12 |
| [Hiscox landlords insurance](https://www.hiscox.co.uk/landlords-insurance) | 1,000 GBP | home-emergency | 2026-10-12 |
| [RAA landlord and short stay insurance (South Australia)](https://www.raa.com.au/home/landlord-insurance) | 500 AUD | legal-expenses | 2026-10-12 |
| [Simply Business what landlord insurance covers](https://www.simplybusiness.co.uk/landlord-insurance/faq/what-does-landlord-insurance-cover/) | 500 GBP | home-emergency | 2026-10-12 |

## The sentence each figure was read from (30)

- [Suncorp landlord insurance (Australia)](https://www.suncorp.com.au/insurance/home/landlord.html), read 2026-10-12: "The most we’ll pay for all claims arising from one incident for legal liability covered by your policy is $20 million, including all associated legal costs."
- [AAMI landlord insurance (Australia)](https://www.aami.com.au/home-insurance/landlord-insurance), read 2026-10-12: "Cover for third party liability Up to $20 million legal liability can help you take care of legal and other costs if someone suffers injury, death or property damage at your rented property and you’re liable."
- [NRMA landlord insurance (NSW)](https://www.nrma.com.au/home-insurance/landlord-insurance), read 2026-10-12: "We cover your legal liability in some situations if someone’s injured or their property’s damaged (up to $20m)9"
- [Allianz landlord insurance (Australia)](https://www.allianz.com.au/home-insurance/landlord.html), read 2026-10-12: "Covers you if someone is injured or their property is damaged at your rental property and you’re liable. We’ll pay up to $20 million in compensation – for example, if a tenant or visitor is injured."
- [GIO landlord insurance (Australia)](https://www.gio.com.au/home-insurance/landlord.html), read 2026-10-12: "Accidental glass breakage, including windows, doors, skylights and fixed mirrors (when you have Landlord Property cover) Legal liability for injury or property damage to third parties, up to $20 million"
- [Alan Boswell property portfolio insurance](https://www.alanboswell.com/landlord-insurance/property-portfolio-insurance/), read 2026-10-12: "Employers' liability cover up to £10,000,000 for cleaners, gardeners, caretakers, and persons doing minor maintenance and repairs."
- [Alan Boswell property portfolio insurance](https://www.alanboswell.com/landlord-insurance/property-portfolio-insurance/), read 2026-10-12: "Property owners' liability cover up to £5,000,000."
- [Hiscox landlords insurance](https://www.hiscox.co.uk/landlords-insurance), read 2026-10-12: "Our cover includes buildings insurance with accidental and malicious damage, loss of rent cover, 90 days’ unoccupied cover between tenancies, and £5 million property owners’ liability cover as standard."
- [Simply Business what landlord insurance covers](https://www.simplybusiness.co.uk/landlord-insurance/faq/what-does-landlord-insurance-cover/), read 2026-10-12: "If you complete a quote, more types of cover will be available, including up to £5 million of property owners’ liability insurance."
- [Vasek landlord insurance](https://www.vasek.co.uk/landlord-insurance), read 2026-10-12: "Our Landlord Insurance product includes the following features: Maximum Building Sum Insured of £2.5 million"
- [AAMI landlord insurance (Australia)](https://www.aami.com.au/home-insurance/landlord-insurance), read 2026-10-12: "Office Bearer’s Liability of $1 million"
- [Hiscox landlords insurance](https://www.hiscox.co.uk/landlords-insurance), read 2026-10-12: "To give you added peace of mind, we will automatically cover you on a blanket basis up to £1 million per building."
- [Hiscox landlords insurance](https://www.hiscox.co.uk/landlords-insurance), read 2026-10-12: "Hiscox offers these covers up to £150,000 per property."
- [Simply Business what landlord insurance covers](https://www.simplybusiness.co.uk/landlord-insurance/faq/what-does-landlord-insurance-cover/), read 2026-10-12: "What’s typically covered by tenant default insurance? up to £100,000 rental indemnity across a 12 month rental payment period, if you have to evict your tenants for not paying rent"
- [EBM RentCover Platinum (Australia)](https://www.rentcover.com.au/landlord-insurance/platinum/), read 2026-10-12: "Tenant damage to fixed contents and building \| Up to $70,000 cover \| Excess: $400 per event or claim"
- [EBM RentCover Platinum (Australia)](https://www.rentcover.com.au/landlord-insurance/platinum/), read 2026-10-12: "Theft \| Up to $70,000 cover \| Excess: $400-$500"
- [EBM RentCover Platinum (Australia)](https://www.rentcover.com.au/landlord-insurance/platinum/), read 2026-10-12: "Natural disasters to contents \| Up to $70,000 cover \| Excess: $500"
- [Coversure residential landlord insurance](https://www.coversure.co.uk/insurance/landlord/), read 2026-10-12: "Take out a tenant default option, and you’ll usually get landlord legal expenses cover as well, which covers property-related legal fees up to £50,000, including legal action to repossess the property or pursue unpaid rent"
- [Cover4LetProperty rent guarantee and legal protection](https://www.cover4letproperty.co.uk/products/rent-guarantee-insurance/), read 2026-10-12: "Our landlords legal protection insurance allows you to enjoy all-round peace of mind that your legal costs are covered (up to £50,000 per incident), at what we believe is a very competitive price."
- [Endsleigh / Protect My Let multi-property landlord insurance](https://www.endsleigh.co.uk/commercial/landlord-insurance/multi-property-landlord-insurance/), read 2026-10-12: "Buildings cover as well as up to £25,000 contents cover per property, subject to a policy excess specified within the policy documents."
- [AAMI landlord insurance (Australia)](https://www.aami.com.au/home-insurance/landlord-insurance), read 2026-10-12: "If the rented property cannot be lived in or re-leased, we will pay the weekly rental amount for the time it should take to repair or rebuild the building so that it can be lived in again or re-leased, for up to 52 weeks and the most we will pay is $25,000 if you have building cover."
- [Allianz landlord insurance (Australia)](https://www.allianz.com.au/home-insurance/landlord.html), read 2026-10-12: "If you have contents cover, and your building is part of a strata title development, we will pay up to an additional $25,000."
- [GIO landlord insurance (Australia)](https://www.gio.com.au/home-insurance/landlord.html), read 2026-10-12: "Comes with Safety net protection, cover for loss of rent and cover for tenant default, up to $10,000."
- [RACV landlord insurance (Victoria)](https://www.racv.com.au/insurance/home-insurance/landlord.html), read 2026-10-12: "If your tenant stops paying rent or leaves without notice, you’ll be covered for up to $10,000, plus $10,000 for any legal costs.§"
- [Allianz landlord insurance (Australia)](https://www.allianz.com.au/home-insurance/landlord.html), read 2026-10-12: "It covers up to $10,000 of lost rent during the period of insurance caused by listed rent default events."
- [Simply Business what landlord insurance covers](https://www.simplybusiness.co.uk/landlord-insurance/faq/what-does-landlord-insurance-cover/), read 2026-10-12: "Pet property damage offers up to £5,000 of cover for damage to your property or its contents."
- [Allianz Australia rent default cover](https://www.allianz.com.au/home-insurance/rent-default.html), read 2026-10-12: "Up to $3,000 in legal expenses per claim to recover rent owed"
- [Hiscox landlords insurance](https://www.hiscox.co.uk/landlords-insurance), read 2026-10-12: "Hiscox offers emergency call-out coverage of up to £1,000 to make the premises habitable."
- [RAA landlord and short stay insurance (South Australia)](https://www.raa.com.au/home/landlord-insurance), read 2026-10-12: "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)."
- [Simply Business what landlord insurance covers](https://www.simplybusiness.co.uk/landlord-insurance/faq/what-does-landlord-insurance-cover/), read 2026-10-12: "What’s typically covered by landlord home emergency cover? emergency boiler repairs and replacements, up to £500"

## Read in full, publishes no figure

- [Simply Business loss of rent insurance](https://www.simplybusiness.co.uk/landlord-insurance/loss-of-rent-insurance/), read 2026-10-12: every candidate on the page was refused
- [Hiscox loss of rent insurance](https://www.hiscox.co.uk/landlords-insurance/loss-of-rent-insurance), read 2026-10-12: every candidate on the page was refused
- [Total Landlord portfolio insurance](https://www.totallandlordinsurance.co.uk/portfolio-landlord), read 2026-09-12: every candidate on the page was refused
- [Total Landlord accidental damage guide](https://www.totallandlordinsurance.co.uk/knowledge-centre/accidental-damage), read 2026-09-12: every candidate on the page was refused
- [Alan Boswell malicious damage guide](https://www.alanboswell.com/resources/malicious-damage/), read 2026-09-12: every candidate on the page was refused
- [QBE landlord policy documents (Australia)](https://www.qbe.com/au/home-insurance/home-insurance-policy-documents/landlord-policy-documents), read 2026-10-12: read in full and no accepted figure on the page
- [Youi landlord insurance (Australia)](https://www.youi.com.au/home-insurance/landlord), read 2026-09-12: every candidate on the page was refused
- [SimplyQuote HMO insurance](https://www.simplyquote.co.uk/landlord-insurance/hmo-insurance/), read 2026-10-12: every candidate on the page was refused

## Methodology

Every row is a verbatim sentence read from the named source's own page through our fetch service on the date shown, hash-pinned to the stored read (the sha of the page's visible text; the raw page is mirrored to R2). 16 of the 24 named sources that could be read published a usable figure; 8 published none and are recorded as not published, never filled in; 3 could not be read (blocked, dead or unreachable) and count nowhere. The headline figures (median, minimum, maximum, quartiles) are over ONE figure per source for each breakdown it prices, in AUD (a source's median where its page yielded several accepted sentences for one breakdown), so a page that gives figures for several breakdowns gives one for each and N counts 16 figures, never sentences; 94 candidate sentence(s) were refused by a reviewer with the reason recorded. The fuller derivation this dataset is chartered to grow into (not yet what the figures above are; they are each source's own published figure as read): one cell per insurer per cover - accidental damage, malicious damage by tenant, loss of rent, theft by tenant, contents, property owners' liability, multi-property, commercial, HMO, rent default - reading included, optional or excluded and the LIMIT the insurer's own page or wording states; the count of insurers covering each peril and the spread of limits across the market, which no insurer publishes because each publishes only its own schedule

## Sources

- [Simply Business what landlord insurance covers](https://www.simplybusiness.co.uk/landlord-insurance/faq/what-does-landlord-insurance-cover/) (the publisher's own terms; quoted for reporting and comment)
- [Simply Business loss of rent insurance](https://www.simplybusiness.co.uk/landlord-insurance/loss-of-rent-insurance/) (the publisher's own terms; quoted for reporting and comment)
- [Hiscox loss of rent insurance](https://www.hiscox.co.uk/landlords-insurance/loss-of-rent-insurance) (the publisher's own terms; quoted for reporting and comment)
- [Hiscox landlords insurance](https://www.hiscox.co.uk/landlords-insurance) (the publisher's own terms; quoted for reporting and comment)
- [Endsleigh / Protect My Let multi-property landlord insurance](https://www.endsleigh.co.uk/commercial/landlord-insurance/multi-property-landlord-insurance/) (the publisher's own terms; quoted for reporting and comment)
- [Alan Boswell property portfolio insurance](https://www.alanboswell.com/landlord-insurance/property-portfolio-insurance/) (the publisher's own terms; quoted for reporting and comment)
- [Total Landlord portfolio insurance](https://www.totallandlordinsurance.co.uk/portfolio-landlord) (the publisher's own terms; quoted for reporting and comment)
- [Total Landlord accidental damage guide](https://www.totallandlordinsurance.co.uk/knowledge-centre/accidental-damage) (the publisher's own terms; quoted for reporting and comment)
- [Alan Boswell malicious damage guide](https://www.alanboswell.com/resources/malicious-damage/) (the publisher's own terms; quoted for reporting and comment)
- [Vasek landlord insurance](https://www.vasek.co.uk/landlord-insurance) (the publisher's own terms; quoted for reporting and comment)
- [Coversure residential landlord insurance](https://www.coversure.co.uk/insurance/landlord/) (the publisher's own terms; quoted for reporting and comment)
- [Cover4LetProperty rent guarantee and legal protection](https://www.cover4letproperty.co.uk/products/rent-guarantee-insurance/) (the publisher's own terms; quoted for reporting and comment)
- [Allianz Australia rent default cover](https://www.allianz.com.au/home-insurance/rent-default.html) (the publisher's own terms; quoted for reporting and comment)
- [GIO landlord insurance (Australia)](https://www.gio.com.au/home-insurance/landlord.html) (the publisher's own terms; quoted for reporting and comment)
- [Suncorp landlord insurance (Australia)](https://www.suncorp.com.au/insurance/home/landlord.html) (the publisher's own terms; quoted for reporting and comment)
- [RACV landlord insurance (Victoria)](https://www.racv.com.au/insurance/home-insurance/landlord.html) (the publisher's own terms; quoted for reporting and comment)
- [RAA landlord and short stay insurance (South Australia)](https://www.raa.com.au/home/landlord-insurance) (the publisher's own terms; quoted for reporting and comment)
- [AAMI landlord insurance (Australia)](https://www.aami.com.au/home-insurance/landlord-insurance) (the publisher's own terms; quoted for reporting and comment)
- [NRMA landlord insurance (NSW)](https://www.nrma.com.au/home-insurance/landlord-insurance) (the publisher's own terms; quoted for reporting and comment)
- [QBE landlord policy documents (Australia)](https://www.qbe.com/au/home-insurance/home-insurance-policy-documents/landlord-policy-documents) (the publisher's own terms; quoted for reporting and comment)
- [AXA multi-property landlord insurance](https://www.axa.co.uk/landlord-insurance/multi-properties/) (the publisher's own terms; quoted for reporting and comment)
- [Youi landlord insurance (Australia)](https://www.youi.com.au/home-insurance/landlord) (the publisher's own terms; quoted for reporting and comment)
- [Allianz landlord insurance (Australia)](https://www.allianz.com.au/home-insurance/landlord.html) (the publisher's own terms; quoted for reporting and comment)
- [EBM RentCover Platinum (Australia)](https://www.rentcover.com.au/landlord-insurance/platinum/) (the publisher's own terms; quoted for reporting and comment)
- [SimplyQuote HMO insurance](https://www.simplyquote.co.uk/landlord-insurance/hmo-insurance/) (the publisher's own terms; quoted for reporting and comment)
- [fensa.org.uk](https://www.fensa.org.uk/) (the publisher's own terms; quoted for reporting and comment)
- [apra.gov.au](https://www.apra.gov.au/register-of-general-insurance) (the publisher's own terms; quoted for reporting and comment)

## Cite or embed

- The Landlord Cover Matrix carries 16 published figures read from 9 sources' own pages, from 500 to 20,000,000 AUD, read 12 October 2026.
- 16 of the 24 named sources read in full publish a figure; 8 publish none, read 12 October 2026.
- Landlord Cover Matrix, peril contents: median 25,000 GBP across 1 source, read 12 October 2026.
- Landlord Cover Matrix, peril contents: median 70,000 AUD across 1 source, read 12 October 2026.
- Landlord Cover Matrix, peril buildings: median 1,750,000 GBP across 2 sources, read 12 October 2026.
- Landlord Cover Matrix, peril legal-expenses: median 50,000 GBP across 2 sources, read 12 October 2026.
- Landlord Cover Matrix, peril legal-expenses: median 1,750 AUD across 2 sources, read 12 October 2026.
- Landlord Cover Matrix, peril rent-default: median 10,000 AUD across 3 sources, read 12 October 2026.
- Landlord Cover Matrix, peril rent-default: median 100,000 GBP across 1 source, read 12 October 2026.
- Landlord Cover Matrix, peril property-owners-liability: median 20,000,000 AUD across 4 sources, read 12 October 2026.
- Landlord Cover Matrix, peril property-owners-liability: median 5,000,000 GBP across 3 sources, read 12 October 2026.
- Landlord Cover Matrix, peril office-bearers-liability: median 1,000,000 AUD across 1 source, read 12 October 2026.
- Landlord Cover Matrix, peril loss-of-rent: median 25,000 AUD across 2 sources, read 12 October 2026.
- Landlord Cover Matrix, peril loss-of-rent: median 150,000 GBP across 1 source, read 12 October 2026.
- Landlord Cover Matrix, peril legal-liability: median 20,000,000 AUD across 1 source, read 12 October 2026.
- Landlord Cover Matrix, peril employers-liability: median 10,000,000 GBP across 1 source, read 12 October 2026.
- Landlord Cover Matrix, peril tenant-damage: median 70,000 AUD across 1 source, read 12 October 2026.
- Landlord Cover Matrix, peril theft: median 70,000 AUD across 1 source, read 12 October 2026.
- Landlord Cover Matrix, peril home-emergency: median 750 GBP across 2 sources, read 12 October 2026.
- Landlord Cover Matrix, peril pet-damage: median 5,000 GBP across 1 source, read 12 October 2026.

Cite as: "Insurance by Profession Landlord Cover Matrix", updated 2026-10-19, https://insurancebyprofession.com/datasets/landlord-cover-matrix/.

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