Best Landlord Insurance

Very quick, Easy and best price. I followed up with call to customer service and very helpful Show details

I was dealing with a nightmare tenant who wouldn't pay for months and would string you along at multiple VCAT hearings. In that situation, you need… Read more

clear communication with your insurance company and claim. Happy to report that EBM exceeded my expectations in this regard. The claims officer in particular was very professional, timely, and clear with communication throughout the process. Couldn't recommend this company for your insurance needs higher.

my property was dameged by tenant. i have building ,contents, loss of rent, and malicious covers. they completely declined my claim, reasons… Read more

are. 1. carpet was full dirty, ripe off some areas. spill oils, ironing box mark - budget says, its not malicious damage, its an accidental damage, not done by intetion, so no cover. 2. plasterboard was damaged in several areas, tenant tried to make patches, but looks very ugly. - budget says, its not malicious, because they try to fix it, but not properly. no intention act, so no cover. 3. spill water in floorboards and got damaged - budget says, there is no water leak, tenant spilled water, and not cleaned. its not malicious. its tenant's poor hygiene behaviour. so no cover. 4. Tenat sticked some pictures and posters on wall, they they removed, the paint comes off.- budget says is not malicious, ask your real estate agents to talk to tenants. but they left. so no cover. 5. sliding door and tracks was misaligned and damaged - budget says, its not malicious, its because of tenant's poor habits. so no cover. 6. molds are in windows, frames, & shower room. - budget says, its not malicious, its because of tenant didn't use ventilation fan. 7. kitchen wall and roof has spilling oil marks, - budget says its not malicious. its their worst hygiene act. so no cover. 8. kitchen cabinets, handles, drawer rails are broken. - budget says, its not malicious, its because of usage and age of the cabinets. so no cover.

landlords please avoid budget direct. they ask me to get police report, police can give you the report only if they found any evidence of broken wall, windows or doors from outside, (not inside) with tools involved, if not, they won't give you any reports, and budget will refuse your caim.

when tenants were living 70% of floor & walls were covered by furnitures and rugs, so property managers can't findout during inspections, real damage is visible only after they vacate the house.

the oline quote shows 400$ less premium than other insurers, so you think you can save 4000$ over 10 years. but please remember house repairs always more than 15k plus 3-4 months rent loss. they will give you the above reasons to decline your claims.

also they sent me a letter stated that i have withdrawn my claims,

they ruined 10 customers and cover 1 customer with tears of others.

proof = please check the claim approved tab on product review page. i have attached the pic.

Landlords insurance – Easy to fill out forms and can insured contents only with strata in place. Show details

received an initial renewal offer for our landlord insurance that was a bit steep, Called Youi and speaking to a real person with heaps of… Read more

knowledge was so easy. We went through some updates and the quote was reviewed and adjusted down to our liking. Only thing would be to Youi to just provide your best renewal offer every time.

The first time I claimed for my landlord insurance, they put me on hold about the claim, which would not be covered. Customer service is so bad, pass around with different call agents. Ended up arguing with them . Show details

Disgusting insurance company who will deny your legitimate claims. I am a disabled man with a pregnant wife and they denied my claim befofe even… Read more

hearing the evidence. Stuff payments took money then paid it back just to ask for it again. They also lie and give you the run around until you realise they have no intention of handling your claims ever!!!! Declined claim from tennant damage and illegal tresspass and dumping of building waste on my property. Diverting communication and avoid questions. They declined the claim and had not even heard any evidence yet. They said it was submitted under the wrong policy but they did the claim for me over the phone so they did that. They also overcharged me. They also said I was on the wrong policy to make me pay more. They close complaints without consent or resolution. Then they asked me to go back to the policy I was on. Then they denied the claim because I had to roll over the policy which meant a 7 day cooling off period. Then they denied it again. All up irs been denied 4 to 5 times without any evidence exchanging hands. Unethical and illegal practices. This is now reported to the ombudsman and become a legal matter.

Refuse to pay out until ACA ran a story on them. Disgusting. Show details

Dont bother. Stay away stay well away. Had multiple landlord policies with them. When claim was made couldnt even be bother to send an assessor out.… Read more

I asked multiple times for help. Send someone. End result claim partly paid like 2% rest of it was told to p*ss off like scum. Was treated terrible. Left a young family broke and paying thousands of dollars of bills for tenant damage.

A complete scam being with AAMI. I reside in Melbourne and own an investment property in Western Australia. Recently have problem with tenant not… Read more

able to pay bills and a week of rent so we were able to evict her. As a result professional cleaning came out of our pockets as landlord, and there were extra trash that requires a large bin. She also let per boyfriend stayed there so he did some damage to the property.

When I enquired the claims department wanting to put through some claims, I was told that they DON'T cover for ANYTHING. They strictly only cover for malicious damage, and loss of rent that exceeds 4 weeks. NOTHING else. On top of that if I want to claim loss of rent along with the damage I have to pay $1500 excess, without the damage claim I have to pay $750 excess. The annual premium alone is above $1500. The damage is under a grand, and we are now about 4 weeks in rent loss, but it would be ridiculous for me to make a claim, as it's so costly!

Many years ago, I held landlord insurance with RACV, and I had a terrible tenant. RACV took such good care of me, and would may loss of rent immediately and all the malicious damages with minimal excess.

The loss from unpaid bills and cleaning by the tenants are payments aside from rents that costs us and is also out of our control. You would think, that logically this is where insurance would cover you, but not just that they don't, they jack up the excess so that it's not worth the claim.

Never have I ever signed up for such a terrible product, I feel scammed and this is no difference to AAMI robbing their customer's money. What a disgusting product. They cover you for nothing, and made sure that the excess is so high so that it's not easy to make claims. What an unethical insurer.

The only silver lining here is I have only been with them for 2 years. So I am getting the hell out of being with them, and would not recommend anyone to join them.

Unable to get through to anyone to cancel it and when we did it was CGU and even after explaining it was no longer required and asking for it to be… Read more

cancelled receiving written confirmation it wa not cancelled they kept debiting it. Dont deal with them

Disgraceful, sneaky and deceitful. Beware !!!!!!!!! – I am so devastated in the way I’ve been treated by this company. Two claims have been rejected now. I am at a huge financial loss and treated like an… Read more

idiot.

The first claim was after unprecedented rain and one room flooded as the water came back in through the sheets and the gutters overflowed. COLES said lack of maintenance. Not true. They proceeded to send a company out to try and prove my roof was in bad repair and took photos of other parts of the roof with a few rust stains. This roof an older roof that was maintained and recently had new screws and sheets replaced. Might as well not have insurance if they never pay. The second claim Coles have refused to pay tenant damage and loss of rent. I believe I did not have loss of rent on the cover so I except that and then took it out at a latter date in my policy. Lesson learnt there but the damage to property and items missing they will not pay. They said it’s not clear what went missing. There was furnishing missing and the damage was evident. I have 2 smashed windows, burnt carpet, holes in the walls ect. The kicker is Coles feel this is normal tenants neglect. ( I’ll I see a photo of their explanations) I have escalated this with Coles with no success so now I have to go to AFCA. It’s exhausting and it’s over a year! Coles takes a long time to get back to you and use many excuses why they dont. Coles are hard to talk to on the phone if your overseas even after requesting a phone number I could speak to someone.

If your looking for insurance please do not use Coles. Three dodge their responsibility to pay. What’s the point paying for insurance if tenants burn carpet and this is not insured! How is this normal living or breaking windows and punching holes in walls??? Please tell your friend and family AVOiD COLES INSURANCE!!!!!!!!

We have been with Apia for many years with multiple policies for our houses. They were competitive and helpful. However lately something has changed.… Read more

They become arrogant, difficult to contact and impossible to deal with. The premium has raised dramatically and it seems that they have adopted a policy of hiding from customer and ignoring him. Beware when getting a renewal from them as there is all set on automatic. You may choose another insurer but they will still keep taking money on a policy that already expired (even if you did not renew it!) and pretend ignorance. This is no longer insurance for elderly people! I have cancelled all remaining policies with them as they need to learn how capitalism works.

Do not use racv if your a landlord, they are useless and just disgusting to deal with, the gave a 7 months pregnant woman an anxiety attack because… Read more

the staff was disgustingly rude and zero empathy. Then when you make a claim with them from damage to your house from a Tennant, there specialist go assess it , say damage is 6-12 months old, lroves what you said is true, then we prove same tennant for the whole time, plus provide inspection report thay say there has been a issue, all they do is deny the claim, when asked why there down right rude and treat you like an id*ot and are so disgusting and talk down to you then they put in writing , tennet damage does not cover lost rent if not approved... isnt that the ehole point of landlord insurance?? , just disgusting and there is no point to using racv in any capacity !!!

Appalling and too much blah. The broker sides with the loss adjuster which is of the same business, Marsh. How can you have faith this circumstance that might be construed as a conflict of interest? Show details

They Suck – If I could give zero, I would. I wouldn't bother with any product of Westpac.. Show details

Our insurance claim was approved 4 months ago, and since then, our bathroom walls and everything else have been removed — the place is completely… Read more

unliveable. We’re still waiting with no updates. The customer support is terrible. No one seems to know what’s happening with our claim or when the repairs will begin. Extremely disappointing and stressful experience.

Dont take it out because when you want to cancel they wont cancel and you end up paying for ever. Difficult to call via ANZ bank and then they refuse… Read more

to accept responsibility for not cancelling it despite phone call and email confirmations. I think it is deliberate because we had to go through process twice and then block bank debits to make it stop. Otherwise it would be continuing

Landlord insurance – Very unprofessional insurance,when you claim regarding call no one answering 1 hours after they transfer to call someone else 2 hours waiting then … Read more

disconnect your phone & no one call you back ,20 times doing Same things after 2 month reject tenants damage claims,be careful before get Woolworth insurance all [Content Removed].

Do not use or even apply for GIO landlord insurance, they are completely crooked. They take 12 months to process your claims and make many continual… Read more

excuses not to pay you for eg. Malicious Damages by Tenants. Where the tenant spitefully smashed six or seven holes in bedroom ceiling with a 4x2 piece of timber. As well as Damages to the Teak flooring with white paint spatters everywhere. As the tenants without my permission, painted the interior walls of the home with no drop sheet, covering the Australian Teak flooring in paint drops all through the home. And also refused to pay for broken window panes broken by the tenant. GIO refused to pay for any damages caused by the Tenant after receiving over $7,000 for the year in payments supposedly to protect my property from damages by tenants. Well you would be a complete id*ot to ever insure your property with this deceitful, criminal corporation GIO Landlord Insurance. They will cost you heaps of waisted money, upset and worry, trying to get them to pay for damages done by your tenants, as your not protected and covered by this criminal corporation GIO Landlord Insurance.

Cheap premium but worthless when claiming – Tenant accidentally dropped something on the cooktop and cracked the glass. First ever claim with SGUA after moving from AAMI (also not great) and… Read more

they didn't allow the claim advising that it's a common property issue that needs to be claimed through the building's strata insurance. Complete rubbish. Cheap premium is obviously too good to be true. Going to try CHU next at renewal time. Our building strata insurance is with them so will be difficult for them to use the same argument. Will post back after first claim with them and see how they go.

No way, don’t bother, stay well away from elders insurance – Absolutely disgraceful, had to battle the whole way for a claim that was denied after tenants trashed our property. Every time I countered their… Read more

reasons with proof they came up with another excuse to deny the claim. Even the police acknowledged that the damage was malicious yet Elders still denied the claim. We were loyal to elders for many many years and had even bought and sold farms with them and had never made a claim and they totally abandoned us when it was most needed. In correspondence relating to the claim Elders admit that damage was due to break and enter, forced entry and malicious damage but still ‘regretfully’ denied the claim

Best broker ever – Best home loan rate and best professional service well done team

Not only did they take away my offset account (a feature provided in the product document at time of taking out the home loan, and so they have… Read more

materially changed the product provided without compensation). Now I get threatening letters from them saying I am $5.15 in arrears, and next step is legal action. The account is IN SURPLUS! I ring the customer support line and ask what it means when my account has a positive balance, and they explain 'you have paid more than the required minimum payments and can redraw the excess anytime you like'. Then they struggle to explain why I received the threatening letter! Taking my business elsewhere and will NEVER use Westpac or any of their subsidiaries again.

Poor customer service. Never respond to any emails. When discussing on the phone and they say they have done something, only to ring back a week later to find they haven't done it at all. Then deny any record of the phone call.