Velocity Points2

While you invest in your property, we’ll invest in you. With our flexible and affordable Landlord cover you’ll get top-notch service and even earn 5,000 Velocity Points when you purchase an eligible policy2. T&C’s apply.

What's covered?

When we insure your home, you can also choose to extend that cover with our additional optional Landlord cover. It can cover you for loss of rent and fixtures and fittings:
  • Loss of rent – covers the net rental income for the period the home cannot be occupied due to an insured event
  • Landlord’s fixtures and fittings – covers loss or damage caused by an insured event to flooring, light fittings and windows

To tailor your Landlord cover even further the following Landlord cover options are available for an additional premium:

  • Tenant default - covers loss of rent if your tenants default on rental payments
  • Theft and Malicious Damage - covers theft or malicious damage by tenants or their visitors

This is a brief summary only. Exclusions and Conditions apply. Full Details are contained in the Product Disclosure Statement.

Why Landlord cover?


Save up to 15%1 when you purchase Virgin Home Insurance with optional Landlord cover online


Earn 5,000 Velocity Points2 when you purchase a new eligible policy


Affordable and flexible cover options, with 21 day money back guarantee4


You can lodge an insurance claim over the phone or online at any time of the day or night, 365 days a year


Virgin Insurance Hub - Manage your policy online 24/7


Get cover in minutes - with our easy online application process

  • More benefits of Landlord cover
    • Investment property building - Repairing or replacing your damaged or destroyed home
    • Loss of rent - Net rental income lost during the period your investment property is unavailable due to damage
    • Fixtures and fittings - Cost to repair any items in the household such as fitted kitchens or baths
    • Landlord contents - Cover personal property items such as furnishings or carpets
    • Locks and stolen keys - Locks will be replaced if keys are lost or stolen. Up to the value of $1,000

What’s included?

When you purchase home building insurance as a Landlord you’ll be covered for:


Price Saver
Landlord cover
Repair or replacement of your investment property  
Insured events
Cover for 10 insured events
Legal liability
Up to $20 million
Mortgage discharge costs Up to $750
Rental property fixtures and fittings (Due to insured event) Up to 5% of sum insured
Loss of rental income 
(Due to insured event) Up to 10% of sum insured, 
up to 12 months
Debris removal and extra rebuilding costs Up to 10% of sum insured
Optional covers Price Saver
Landlord cover
Tenant default Optional cover
Theft and Malicious Damage by Tenants and their visitors Optional cover

This is a brief summary only. Conditions apply. Full details are contained in the Product Disclosure Statement (PDS).

Virgin Home and Contents Insurance standard

We no longer offer the Virgin Home and Contents Insurance standard product. If you currently hold this policy or have any questions regarding cover options, please call our friendly customer care team on 1800 724 678.

You can find the Product Disclosure Statements for this policy on the Important Documents page.