SDA Property Insurance

Specialist Disability Accommodation (SDA) properties aren’t like standard investment properties. They’re purpose-built to support people with high support needs, meaning their risks – and insurance requirements—are just as specialised.

Yet, finding the right insurance can be challenging. Many mainstream policies don’t provide the coverage SDA property owners actually need. That’s where MeyerInsure comes in. We take the complexity out of SDA insurance, helping you navigate specialist disability accommodation property insurance options with confidence. With access to the right insurers and a deep understanding of SDA risks, we ensure your property and investment are properly protected.

Protecting Your Specialist Disability Accommodation Investment

Understanding SDA Properties

Specialist Disability Accommodation (SDA) is a critical part of the National Disability Insurance Scheme (NDIS), providing purpose-built housing for people with high support needs. These properties require specialist design, construction, and compliance – meaning they also come with unique risks that standard insurance won’t cover.

Beyond protecting your property, SDA insurance must also cover your responsibility as a landlord, especially when housing vulnerable tenants. If something goes wrong, whether it’s an accessibility issue, property damage, or an incident involving a tenant or support worker, you need an insurance policy that will hold up when it matters most.

Unfortunately, many off-the-shelf landlord policies don’t account for these risks, leaving SDA property owners unknowingly exposed.

Why SDA Insurance Needs to be Specialised

Many insurers still don’t fully understand the risks associated with SDA properties, leading to policies that appear comprehensive but lack critical protections. Without proper coverage, you could face costly gaps in your insurance that only become clear at claim time. Key challenges include:

Higher rebuild costs & longer reinstatement times

Specialist modifications and accessibility features make SDA properties more expensive to repair and take longer to rebuild. Standard policies may not cover extended loss of rent during this time.

Specialist rental agreements with additional requirements

SDA properties typically use standard residential rental agreements, but they must also comply with SDA provider agreements and NDIS funding rules. These added complexities can impact rental income protection and insurance coverage, making standard landlord policies insufficient.

Strict compliance requirements

SDA properties must remain compliant with NDIS regulations. If your property is damaged or modified in a way that affects compliance, standard policies may deny claims or refuse policy renewal.

Greater liability risks

SDA landlords have a higher duty of care to tenants with complex needs. This means greater legal and financial exposure if an injury occurs due to inadequate maintenance, accessibility barriers, or property-related hazards.

Limited insurer options & underwriting gaps

Only a small few insurers currently provide SDA-specific cover, but some still don’t fully understand the exposures. A policy that looks comprehensive on paper may fail at claim time due to incorrect underwriting assumptions.

With SDA insurance, the details matter – and getting it wrong can be costly.

MeyerInsure ensures you get the right cover, with the right insurer, at the right price – so there are no surprises when it matters most.

Why MeyerInsure is the Right Choice for Your SDA Property Insurance

Finding the right insurance for your SDA property isn’t just about ticking a box – it’s about making sure you’re properly covered when it matters most. With specialist construction, unique rental agreements, strict compliance requirements, and increased liability risks, SDA properties require expert advice and tailored protection – not just a one-size-fits-all policy.

At MeyerInsure, we know the SDA sector inside and out. We understand the complexities of SDA tenancy agreements across different states, the underwriting gaps that can leave property owners exposed, and the limited insurer options that make getting the right cover a challenge. Many insurers still don’t fully grasp the unique risks of SDA properties, leading to policies that may not hold up at claim time.

That’s why working with a broker who truly understands this space is critical.

With MeyerInsure, you get:

Tailored cover from the right insurers – ensuring you’re fully protected, not just partially covered

Specialist advice on complex risks – Including extended rebuild times, rental income protection, compliance requirements, and liability exposures.

A broker who works for you, not the insurers – so you can have peace of mind knowing your investment is secure

SDA Property Owner Testimonials

MeyerInsure for our NDIS-specific insurance needs has been fantastic! Laura actually answers the phone, chases quotes quickly, and handles the complexities of SDA through to Cyber Insurance. She secured better rates than we could get, making a huge difference. Navigating this complex space with Laura’s help has been invaluable. Highly recommend!

Laura and her team provide a reassuringly personalised service. They are invested in helping navigate the gauntlet of not being under-insured, whilst also fighting for you to get the best deal possible. It’s an excellent business that I have no hesitation in recommending.

I am so happy with Laura’s service and extensive knowledge in this sector. It is comforting knowing that MeyerInsure manages all of my insurances and I do not have to worry about a thing and can focus on my sole business model.

Get the Right Cover for Your SDA Property

Get a Quick Quote – [Complete our SDA Insurance Quote Form] and we’ll get back to you with tailored options for specialist disability accommodation insurance.
Talk to an Expert – Have questions or need personalised advice? [Contact us] to discuss your SDA property insurance with a specialist.

Your SDA property is an essential part of Australia’s accessible housing network. Let’s make sure it’s protected by experts who truly understand the risks.