Real Landlord Insurance

Real Landlord Insurance is an exclusive boutique insurance brokerage in New Zealand.

They specialise solely in protecting your valuable investment properties. Trusted by countless landlords and estate agents, they bring unparalleled expertise to ensure your peace of mind. Focused on securing your assets, they're your ultimate partner in safeguarding what matters most to you.

Real Landlord Insurance was formerly named Terri Scheer Insurance Ltd. It was founded in New Zealand in 2003 by Terri Scheer from Australia, offering the Landlord Preferred Policy. In 2006, Diane Nelson, a Property Management expert, took ownership.

This shift marked a significant milestone, strengthening the company's expertise in residential property management for investors. This made them a pioneering force in the landlord insurance industry.

Why choose Real Landlord Insurance?

They’re experts in one area – landlord insurance. They focus solely on designing insurance solutions for residential investment properties and tenancies. Unlike other companies that cover various insurance items like cars, boats, or bikes, they’re dedicated to understanding the specific needs of landlords and their properties.

Their specialisation in landlord insurance gives them an in-depth understanding of the challenges and risks landlords face. They, therefore, offer insurance solutions designed specifically for residential investments.

With their undivided attention and commitment to protecting your valuable assets, you can feel confident that your properties are in safe hands.

Trusted by estate agencies and landlords

Thousands of satisfied landlords and estate agencies trust Real Landlord Insurance to protect their income property. Their focus on providing quality service, support and training to referring property managers has earned them a good reputation in the insurance industry.

Exclusively approved property management companies

They demonstrate their commitment to excellence by exclusively dealing with approved estate agencies. This ensures that their landlord policies are only accessible to landlords who place their investments in the hands of professional and trusted property management.

Safeguard your investment: The importance of landlord insurance in New Zealand

Landlord insurance is a crucial investment for property owners in New Zealand, providing protection and peace of mind. As a landlord, you face various risks and uncertainties that could result in financial losses.

This insurance helps safeguard your valuable investment properties and rental income. It covers you against potential damages caused by tenants and unforeseen events.

For example, consider a scenario where your rental property suffers significant damage due to a fire caused by a tenant's negligence.

The repair costs could be substantial, and without insurance, you may have to bear the financial burden alone. However, with the right landlord insurance policy, you can rest assured knowing that the damages will be covered.

This allows you to repair the property and get it back on the rental market without significant financial strain.

Landlord insurance often includes coverage for loss of rental income. This can be crucial during periods of tenant vacancy or when the property becomes uninhabitable due to covered events.

This coverage ensures that you continue to receive rental income, even if the property is temporarily unoccupied.

Landlord insurance also offers liability protection, safeguarding you against legal claims and expenses

By having landlord insurance, you demonstrate a commitment to safeguarding your investment and protecting your financial interests. It enables you to navigate the challenges of being a landlord confidently, knowing you’ve got a safety net in place to handle unexpected situations.

Landlord insurance is an essential tool for landlords in New Zealand to protect their investment properties and rental income. With coverage against damages, loss of rental income, and liability risks, it ensures financial security and allows landlords to focus on growing their property portfolios with confidence.

Real Landlord Insurance brings a unique perspective to the table with a team well-versed in both property management and insurance. Catering to your distinct insurance needs, they invite you to explore their specialised landlord insurance products.

They want you to witness firsthand the level of expertise and care they pour into protecting your valuable investments. Their comprehensive services speak for themselves, with an array of insurance products tailored exclusively for residential investment properties and tenancies.

Real Landlord Insurance offers you a wide range of comprehensive insurance services tailored exclusively for residential investment properties and tenancies.

Their team of experts caters precisely to your distinct insurance needs.

They offer a range of exclusive landlord insurance:

Real Classic landlord preferred policy:

The policy offers cover for single properties with one tenant, protecting landlords from various tenant-related risks and damages to buildings and contents.

• Loss of rental income - Protects against loss of rental income
• Landlord's contents - Covers tenant damages, fire, glass breakage, and more for landlord's contents.
• Damage to rental property - Provides coverage for intentional damage, body corporate loss or damage (apartment owners only), and limited cover for methamphetamine contamination.
• Loss of rental income special benefits - Covers bailiff costs, change of locks, removal of rubbish, and property management tribunal charges.
• Landlord's liability Offers protection for the property of others, accidental death or bodily injury of others.

Note: The maximum amount payable for all sections under Real landlord-preferred premier policies is limited to $30,000, with a maximum of $15,000 for methamphetamine contamination claims.

Real Premier landlord preferred policy:

• This policy provides premium coverage for tenant-related risks, safeguarding landlords against potential losses, damages, and liabilities arising from their rental properties.
• Loss of rental income - Protects against loss of rental income.
• Landlord's contents - Covers tenant damages, fire and glass breakages.
• Damage to rental property - Provides coverage for methamphetamine contamination, intentional damage and body corporate loss or damage (apartment owners only).
• Loss of rental income special benefits - Covers bailiff costs, change of locks, rubbish removal, and property management tribunal charges.
• Landlord's liability Offers protection for the property of others, accidental death or bodily injury of others.

Note: The maximum cover for methamphetamine contamination is $15,000, and the combined maximum payout across all policies underwritten by Real Landlord Insurance is limited to $30,000.

Real Multi landlord preferred policy

This policy offers premium coverage for tenant-related risks, safeguarding landlords against loss of rental income and damages caused by tenants to the building and contents of their sole occupancy rental property.

• Loss of rental income Protects against loss of rental income
• Landlords contents Cover for tenant damages, fire and glass breakage.
• Damage to rental property Protects against damages to the rental property, including methamphetamine contamination, intentional damage, and body corporate loss or damage (apartment owners only).
• Loss of rental income special benefits Covers bailiff costs, change of locks, rubbish removal, and property management tribunal charges.
• Landlord's contents special benefits Covers methamphetamine contamination*, contents in the open air, natural disasters, floor coverings and pet damage.
• Landlord's Liability Protects the property of others, accidental death or bodily injury of others.

*Note: The maximum amount payable for methamphetamine contamination claims is limited to $15,000, and the combined maximum payout across all policies is limited to $30,000.

Real house policy

This policy offers comprehensive building cover for your rental property, available only as a combo package with any of the landlord's preferred policies.

• Loss to your house - Provides replacement to the sum insured for losses to your rental property.
• Demand surge protection - Offers 10% additional coverage.
• Extended sum insured for fire - Extends the sum insured by 20%.
• Garden retaining walls - Covers up to $25,000
• Gradual damage to your house - Includes $3,000 coverage
• House under minor alteration - Provides $20,000 coverage
• Damages to landscaping - Covers up to $3,000
• Natural disaster damage - Offers coverage for removal of trees due to natural disasters up to $1,000.
• Smart system replacement - Provides up to $500
• Sustainability upgrade - Offers $15,000 coverage
• Methamphetamine decontamination* - Provides up to $30,000*
• Loss of rents benefits - Offers up to 8 months of coverage

*Note: The maximum cover for methamphetamine decontamination claims is limited to $30,000. The combined maximum payout across all policies is limited to $30,000.

Real Landlord Insurance is committed to providing exceptional services, ensuring you’ve got the right protection for your valuable investment properties.