Property Owners Insurance
Property cover starts with how the property is used.
Property insurance for owners and investors is shaped by how a property is actually used and occupied. Commercial, residential-investment and non-standard occupancy arrangements can each be treated differently, and the way a property is used often matters more than the building itself.
Common considerations
Relevant cover categories in plain English. Which of these apply—and how—depends on the specific business or property.
- Commercial and residential-investment property
- Loss of rent
- Public liability
- Occupancy and disclosure
- Vacancy
- Landlord versus commercial property cover
Suitability and limitations
The covers above are a starting point for a conversation, not a recommendation. What is suitable depends on individual circumstances, and cover is subject to insurer acceptance, policy terms, conditions, limits and exclusions. Relevant policy wording should be reviewed before any cover is arranged.
Related industries
Related Learn
Property owners
Why roof leaks are not always covered by insurance
Gradual deterioration and maintenance exclusions often shape how these claims are assessed.
Property owners
Rooming house insurance: why ordinary landlord cover may not be suitable
A lawful rooming house can still sit outside standard landlord insurer appetite.
Frequently asked questions
Why can a lawful use still be declined?
A property's legal use and an insurer's risk appetite are related, but they are not the same decision—a lawful use can still fall outside a particular insurer's appetite.
What changes should be disclosed?
Changes to occupancy, use, vacancy or tenancy arrangements can be relevant and generally should be disclosed to the insurer.
Information on this website is general in nature and does not take into account your objectives, financial situation or needs. Cover is subject to insurer acceptance, policy terms, conditions, limits and exclusions. You should review the relevant policy documents and seek advice appropriate to your circumstances before making a decision.