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Owning an investment property can be financially beneficial, but it’s not without its challenges. Legal disputes - whether it’s unpaid rent, property damage, or tenant claims - can quickly turn an investment property into a financial and legal headache.
Yet many landlords assume landlord’s insurance covers all risks, only to find themselves unprotected when legal action is required. This is where Landlord Legal Expense Insurance (LEI) becomes essential, giving your clients the legal cover they need to manage issues efficiently, and avoid costly setbacks - all for less than the cost of two weeks rent.

 
The Legal Risks Landlords Face - and How to Protect Against Them

Even the most diligent of landlords can encounter legal roadblocks. Without the right protection, they could face legal fees that quickly add up. Landlord LEI is designed to complement other landlord’s insurance policies, providing vital legal support for events such as:

Rent Arrears & Evictions - A tenant stops paying and refuses to vacate. Legal action is required to recover rent and repossess the property.
Property Disputes - Landlords may need legal support if a tenant or third party causes damage, trespasses, or creates a nuisance.
Legal Action Against the Landlord - Even well-intentioned landlords can face claims, such as unlawful entry or tenancy law breaches.
Tax Investigations - An ATO investigation into rental income can be time-consuming and stressful without expert guidance.
 
Landlord LEI in Action

To understand the value of LEI, let’s consider a real-world example:

A landlord in Sydney had a tenant who suddenly stopped paying rent. Despite repeated notices, the tenant refused to leave, forcing the landlord to take legal action. The legal process to evict the tenant and recover unpaid rent was lengthy and expensive, with legal costs running into thousands of dollars.

With Landlord LEI, the legal fees would be covered from day one, and the landlord has expert guidance throughout the process - saving them significant financial and emotional stress. Without it, they would face those costs alone.

As a broker, offering legal expense insurance could mean the difference between your clients successfully resolving a dispute or facing financial and emotional strain.

 
More Than Just Legal Cover

Landlord LEI provides more than just financial protection for your clients - it offers expert support to help them navigate legal challenges with confidence, including:

Legal Information Helpline, allowing immediate access to legal advice when issues arise.
Document Centre, providing essential legal templates and resources, helping your clients to stay compliant.
Transparent pricing, for less than the cost of two weeks rent, per property per year, with cover options to fit every circumstance.

Legal disputes can be costly and time-consuming for landlords, leaving them turning to their brokers for solutions. By offering legal expense insurance, you’re not only strengthening your client relationships, but also providing a valuable safeguard against the risks they face every day.

 

Ensure your clients have the right legal cover in place.
Email us at to learn more about how Landlord LEI can help safeguard your clients' properties.

 

ARAG Services Australia Pty Ltd (ABN 14 627 823 198) (ARAG) has been granted delegated authority by the Insurer to enter into, vary or cancel Policies and handle Claims on their behalf. In providing these services, ARAG acts on behalf of the Insurer and not as Your agent. ARAG is authorised to provide financial services in accordance with its Australian Financial Services Licence (AFS Licence number 513547). Any advice provided by ARAG in relation to this product is general in nature and does not take into account Your individual circumstances.
The Insurer is detailed in your policy documents.

All enquiries should be addressed to ARAG.

Any advice contained on this website is general advice only and has been prepared without considering your individual objectives, financial situation or needs. Before purchasing or renewing a product we recommend that you consider if it is suitable for your circumstances and read the policy terms and conditions.