RealtyProtect building insurance: what each policy covers, and who underwrites it
1 building policy from RealtyProtect. For each: how the building is valued, whether flood and accidental damage are covered, and what happens once the building is left empty, with the sentence from its own documents. Underwritten by Guild Insurance Limited.
- Website
- howdengroup.com/au-en/landlord-insurance-realtyprotect
- What it is
- Brand
- Listed on
- Houses and rental properties
- Underwriter
- Guild Insurance Limited
- APRA
- Authorised by APRA to write new general insurance (listed as Guild Insurance Limited)
- Sold by
- 360 Landlords Pty Ltd (authorised representative of 360 Underwriting Solutions Pty Ltd) · AFSL 319181 · authorised representative no. 1288284
Building policies
RealtyProtect Landlord Insurance
- Type
- Landlord · Residential
- Sold
- Through a broker
- Building valued as
- Sum insured
- Flood
- Optional extra
- Accidental damage
- Not stated
- Left empty
- No cover after 90 days (a few events excepted). Still covered: earthquake, impact by another object, riot and civil commotion, public disturbance. You must tell the insurer. Only if unoccupied with your knowledge; unless written consent and extra premium. Counts only if unfurnished, without power and no one stayed two nights running in 90 days.
- Who it is for
- Landlords of residential rental property; cover for strata units is for contents, loss of rent and liability only, not the strata building itself.
- Documents
- RealtyProtect PDS and Policy Wording (prepared 1 May 2025) (1 May 2025) · May 2025 changes summary
- Building cover is an optional section; flood is excluded unless shown as included on the schedule.
The policy
“RealtyProtect is a top-tier landlord insurance product with a specialist landlord policy wording”
Source: howdengroup.com/au-en/realtyprotect-agency · Confirmed on the insurer's page on 13 November 2026.
How it is sold
“Sign up to become a distributor of RealtyProtect. It is a quick and easy online process. Once accepted, you will receive a unique link, just for your agency, to place cover and view your portfolio.”
Source: howdengroup.com/au-en/realtyprotect-agency · Confirmed on the insurer's page on 13 November 2026.
How the building is valued
“Building (optional) Up to Sum Insured”
Source: howdengroup.com/au-en/landlord-insurance-realtyprotect · Confirmed on the insurer's page on 13 November 2026.
Flood
“Flood, unless it is shown on your schedule as included.”
Source: howdengroup.com/sites/australia.howdenprod.com/files/2025-05/realtyprotect_pds_and_policy_wording_may_2025.pdf · Confirmed on the insurer's page on 13 November 2026.
Left empty
“Any loss or damage to your building or contents if your building has been unoccupied with your knowledge for a period of ninety (90) or more consecutive days, unless you have obtained our written consent and paid any additional premium required by us.”
Source: howdengroup.com/sites/australia.howdenprod.com/files/2025-05/realtyprotect_pds_and_policy_wording_may_2025.pdf · Confirmed on the insurer's page on 13 November 2026.
Who it is for
“No, it doesn’t cover the Strata building itself.”
Source: howdengroup.com/au-en/landlord-insurance-realtyprotect · Confirmed on the insurer's page on 13 November 2026.
Who underwrites and sells it
Underwriter
“Guild Insurance Limited trading as Acerta (Guild) ABN 55 004 538 863 is the insurer.”
Source: howdengroup.com/sites/australia.howdenprod.com/files/2025-05/realtyprotect_pds_and_policy_wording_may_2025.pdf · Confirmed on the insurer's page on 13 November 2026.
Who sells it
“360 Landlords Pty Ltd (ABN 99 634 062 972) as an authorised representative (AR 1288284) of 360 Underwriting Solutions Pty Ltd (360uw) ABN 18 120 261 27, AFSL 319181”
Source: howdengroup.com/sites/australia.howdenprod.com/files/2025-05/realtyprotect_pds_and_policy_wording_may_2025.pdf · Confirmed on the insurer's page on 13 November 2026.
Guild Insurance Limited: licence
- AFS licence
- 233791 · GUILD INSURANCE LIMITED
- ABN
- 55004538863
- Licensed since
- 1 December 2003
- Principal business
- Melbourne VIC 3000
- General insurance
- Licensed to deal in general insurance products
From ASIC's AFS Licensee dataset, release of 11 November 2026, Creative Commons Attribution 3.0 Australia.
Distributor's licence
- AFS licence
- 319181 · 360 UNDERWRITING SOLUTIONS PTY LTD
- ABN
- 18120261270
- Licensed since
- 7 March 2008
- Principal business
- Sydney NSW 2000
From ASIC's AFS Licensee dataset, release of 11 November 2026, Creative Commons Attribution 3.0 Australia.
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