Protect the income, not just the property.
Good management prevents most problems. Insurance exists for the ones nothing prevents. Every property we manage should start its tenancy properly covered - here's what that means.
Four covers that matter.
Tenant damage
Accidental and intentional damage beyond fair wear and tear - the risk owners think about most, and the one bonds rarely cover fully.
Loss of rent
Rent default, a broken lease, or the property unliveable after an insured event. This is the cover that protects the income, not just the asset.
Legal liability
If someone is injured at the property, liability cover is what stands between an incident and your personal balance sheet.
Storm, flood & disaster
Queensland weather earns its reputation. Building and contents cover for insured events, with flood definitions that matter suburb by suburb.
Asked by every new landlord.
Is landlord insurance compulsory in Queensland?
No, but running a rental without it means personally carrying tenant default, damage and liability risk to save a few hundred dollars a year. Nearly all experienced investors carry it.
Doesn't the bond cover damage?
A bond is capped at a few weeks' rent. Serious damage, extended rent default or a liability claim can run to tens of thousands - that's what insurance is for.
Does LINK Living arrange the insurance?
We make sure no property we manage starts a tenancy unprotected: we'll point you to appropriate cover options at onboarding and keep certificates on file, but the policy is always yours.
General information only, not financial or insurance advice. Cover terms differ between insurers - read the PDS and check flood definitions for your suburb.