The most common landlord insurance claims in Australia

Data from major insurance providers shows thousands of claims are processed each year, highlighting how frequently unexpected issues arise in rental properties.

Take a look at the most common problems:

1. Water damage
   Water damage is one of the most frequent and costly claims made by rental property owners. Burst pipes, leaking roofs and storm-related water entry can cause extensive damage before being detected, and require thousands of dollars worth of repairs. 
2. Broken windows
   Damage to windows, mirrors and glass fixtures is another common insurance claim. While often lower in value, these issues can still be disruptive and require timely repair. It’s helpful if they are covered as part of your insurance policy, to minimise the financial inconvenience. 
3. Appliance breakdowns
   Motor burnout in appliances is another area many landlords do not anticipate. Items such as air conditioners, dishwashers and ovens can fail without warning, and it’s a good idea to have an insurance policy that covers repairs so you’re not out of pocket or forced to deal with compensation claims from your tenant. 

What these insurance claims reveal about protecting your investment

Many claims arise from situations that are not always front of mind for investors, but it never hurts to expect the unexpected. From our perspective as property managers, these examples reinforce the importance of combining comprehensive insurance with proactive property care. 

Having the right cover in place, combined with regular maintenance and professional management, helps reduce risk and supports the long-term performance of your investment.