Property Wealth Hub  ·  Portfolio Management
Module 2 of 4  ·  Portfolio Management

Insurance &
Risk Management

Protecting a portfolio that took years to build — the coverage you need, what it costs, and the gaps most investors leave exposed.

⏱ 8 min
📖 4 lessons
📝 Module quiz

What you will learn

Four things to understand before you start the lessons.

01
Landlord insurance essentials

What is covered, what is excluded, and the claims that catch landlords unprepared.

02
Building vs contents

What each covers on an investment property and who is responsible for what.

03
Landlord liability exposure

When a tenant or their guest is injured on your property — and you are sued.

04
Portfolio risk review

How to audit your coverage as the portfolio grows and ensure no gaps emerge.

The coverage gaps most landlords miss

Common exclusions that matter at claim time.

⚠️ Most standard landlord policies exclude: rent default after 14 days arrears (requires specific cover), malicious damage by a tenant's guest, and gradual deterioration. Read the PDS before you need it — not while filing a claim.
$28,400
average landlord insurance claim for tenant damage in Australia

Without landlord insurance, this comes entirely from your own pocket. Bond covers a maximum of 4–6 weeks rent. Landlord insurance premium: $450–$700 per year. Break-even on one average claim: less than two months of coverage.

✅

You are ready to begin

4 lessons, approximately 8 minutes. Complete the quiz to unlock the next module.

In this module
✓Landlord insurance essentials
✓Building vs contents coverage
✓Liability exposure
✓Portfolio risk audit
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