Landlord Insurance Mozo Experts Choice Awards 2025

Mozo Experts Choice Landlord Insurance Methodology

How did we choose the 2025 landlord insurance award winners?

Our approach to insurance awards is to seek out and reward:

Exceptional Quality - Insurance cover that leads the market in the generosity of additional benefits and flexibility of options - irrespective of price. 

Analysis is based on Mozo’s collection of policy features as of July - August 2025.

Exceptional Quality Awards Criteria

Our assessment of Quality is based on how well the product scores on a large range of different factors including the nature and extent of the insurance cover, the inclusion of added benefits. The assessment of cover relied on product information in each insurance company's Product Disclosure Statements and published on websites. 

Factors considered in the Exceptional Quality Landlord Insurance award:

• Accidental breakage of glass
• Accidental loss and damage
• Building materials
• Buildings and structural improvements
• Carpets
• Days unoccupied until cover stops
• Debris removal
• Earthquake
• Escape of liquid
• Explosion
• Fire
• Fusion (motor burnout)
• Gates and fences
• General contents
• Household goods and appliances
• Landscaping
• Legal liability cover
• Lightning
• Lock replacement
• Loss of rent
• Malicious acts and vandalism by tenant
• Mortgage discharge fees
• Paved paths and driveways
• Power surge
• Rebuilding
• Rebuilding professional fees
• Rent default by tenant
• Riots and civil commotion
• Storage fees
• Storm
• Storm surge
• Temporary removal of contents
• Temporary repairs
• Theft by tenant
• Theft or burglary
• Underinsurance protection

See our monthly round-up of the best landlord insurance deals. 

Important information on terms, conditions and sub-limits

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

How we manage conflicts of interest 

Mozo Experts Choice Awards are awarded irrespective of a product provider’s commercial relationship with Mozo. The Awards are based on objective verifiable facts and analysis wherever possible, and any assumptions made are set out in this report. Mozo’s research team analyses product data and determines the winners in each Mozo Experts Choice category without reference to Mozo’s sales or commercial functions. 

Providers do not pay to enter the Mozo Experts Choice Awards. 

Should a winning provider wish to use the Mozo Experts Choice Awards badges in their own marketing activities, Mozo charges them a license fee.