Best Landlord Insurance in Australian Capital Territory Canberra–Queanbeyan

Could not pay as it did not recognise my expiry date on credit card Show details

1st and only claim I've attempted in maybe six years. My request to claim the costs of repainting kitchen walls smoke-damaged by a fire resulting… Read more

from my tenants, was refused on the grounds that the INTERIOR of my strata title unit "... is considered to be part of the building" - and therefore is the Body Corporate's responsibility, not EBM's.

In SPITE of section (c) of the very legislation (Division 6—Insurance, 54 What is an insurable building?) - EBM is relying on to reject the claim, specifically stating that "part of the building" does NOT - repeat NOT - include "carpet and temporary floor, wall and ceiling covering".

If paint is not a temporary wall covering ... then what is? It adheres to the wall; it's temporary; and it covers it. It seems to meet the very definition.

I quote EBM: "As the legislation confirms that any improvements and fixtures forming part of the building is considered building, then the owners corporation must insure these parts."

In what world of logic, would any Body Corporate consider that maintaining the condition of the INTERIOR of my flat, be their legal responsibility?

I have a $500 excess. I did the painting at my own expense, to minimise any claim. I doubt the claim would have exceeded the excess by much in any case.

Congrats EBM - you won the battle (rejecting a minor claim on dubious & arguable technical definitions); but you just lost the war, a customer, goodwill and any hope of me referring others to your company's insurance services for life.

Hoping your refusal makes your KPIs look good.

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.

Do not waste your money purchasing a home insurance policy with Allianz. Worst insurance company ever. I had a storm claim. The storm caused the… Read more

patio roof to be blown away. Allianz came and inspected. They originally accepted my claim and approved the cash settlement. Only one day later, they rejected my claim based on wear and tear. What a joke! They tried to find all excuses to reject your claim; the policy you purchased is not worth a cent. Claim assessors need to meet KPI to reject as many claims as possible. I paid my insurance for 10 years. Only made one claim due to storm and rejected. I cancelled all my policies with Allianz after that, not worth spending your money on

- very expensive - don't touch terri scheer landlord insurance - ts not on Google - because of their very bad reviews - terri scheer used to own the… Read more

company, he sold it to an American company - then ts is the most expensive landlord insurance in Australia - they decline most claims (see other reviews). - dont touch ts very very very expensive

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.

Changing landlords insurance company Not happy – My unit was trashed and damaged Hard to contact did ,not phone back like promised and nobody would give me any details on what I could claim Needed… Read more

to get a meth test done on property , due to meth usage in the property.They would not confirm if it was covered if proven to be over the limit.They said they did not know and would have to find out They would ring me back,didn’t happen. The place was invested with cockroaches ,damaged kitchen the whole place was disgusting .A lot of rubbish and broken furniture to remove They don’t that Can’t get trades people in as booked out Can’t attempt to rent out due to condition and needing to replace items Asking if I can claim rent loss ,told no because the kitchen etc is still usable Who on earth would rent with it looking like that I am definitely going to change landlords insurance as I feel very let down

After cyclone narelle hit our property in Weipa and knocked down to large coconut trees that fell onto our neighbour’s house and damaged their gutter… Read more

and shade sail and crushed our fence AAMI without any discussion just dismissed our claim and said they would not help with any costs incurred as none of this damage is covered by our landlord insurance !!Tell me why we pay $4500 a year for insurance when when the first claim comes across your table your first response is no .So very disappointed temporary customer leo edgerley

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.

RACV Landlord Insurance – A Masterclass in Exclusion, Not Protection If you’re thinking about insuring your investment property with RACV, do… Read more

yourself a favour and read the fine print – then run. This so-called “landlord insurance” is less about protecting you and more about crafting every possible loophole to avoid paying out on even the most basic landlord claims.

Compared to industry leaders like Terry Sheer or Property Insurance Plus, RACV’s coverage is embarrassingly inadequate. Simple, everyday risks that other insurers automatically include are conveniently excluded or buried under conditions so restrictive that they might as well not exist. Things like:

Tenant damage – RACV’s definitions and requirements make it almost impossible to claim unless you’ve ticked every one of their microscopic boxes. Terry Sheer and PIP? They cover this without the acrobatics.

Loss of rent – With RACV, you’re lucky to get a cent unless you follow their overly rigid process and meet unrealistic timelines. Competitors offer broader, simpler, and more reliable loss-of-rent coverage.

Theft or vandalism by tenants – Other providers cover this as standard; RACV prefers to pass the buck.

Malicious damage – Often capped, limited, or excluded entirely, depending on their interpretation. With others, you know exactly what’s covered.

Their policy documents read more like an exercise in legal gymnastics than a genuine commitment to protect landlords. RACV’s marketing implies peace of mind; the reality is you’ll likely end up paying premiums for years only to discover your “protection” is a hollow promise.

In an industry where specialist providers like Terry Sheer and Property Insurance Plus have built reputations for clear, comprehensive coverage, RACV’s offering feels outdated, stingy, and hostile to the very customers it’s meant to serve.

Bottom line: If you want real protection for your rental property, look elsewhere. RACV’s landlord insurance is more like a subscription to disappointment.

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.

Very happy to have cancelled my 2nd of 2 policies today. Very relieved. CGU Landlord Insurance are simply the worst. Completely dishonest and unhelpful. I would strongly urge anyone shopping for landlord to AVOID LIKE THE PLAGUE. Show details

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].

Gio landlord insurance. This product feels like a scam? – I have to say that the "Gio Landlord Insurance" feels like a scam. It's hard not to feel like their product isn't a scam, if not bordering on a Ponzi… Read more

scheme? Well at least it feels like it is? I should warn anyone to be aware of deceptive practices conducted by GIO. The process took me almost 6 months, till finally being denied the claim. There is a pattern of behaviour that warrants investigation. From the use of sending out of multiple assessors, to continually evading the source of the damage. As a company GIO do not adhere to a code of conduct. I found the GIO staff deliberately tried to cause mental trauma and anguish upon me whilst processing the claim. I always remained calm and respectful, even whilst being taunted into being angered by case managers pretending not to know their own product! Believe me, they will give you the runaround and wear you down. From my own experience that's their modus operandi. The GIO team team handling your case will deliberately prolong the process whilst you continue to pay for their product. They will make you think that it's costing them money to review your claim, but in reality most people like myself continue to pay for the policy during the lengthy process. Just remember! They are not working in your interest, but in the interest of profit maximisation. You will feel that the investors are more important than your damaged property. Personally, there needs to be a class action looking into the behaviour of GIO as a company. I will be taking my claim further with the Ombudsmen in due time. Meanwhile, I need some time to recover from the mental anguish that GIO has caused on me before I proceed. As a customer, GIO should have treated me with a higher level of professionalism and dignity. I would recommend if others had a similar experience also report such matters.

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

BE WARY - USELESS - a simple thing like resetting a password is impossible and then after an hour you are sent a form to go into WestPac - DO NOT USE

Appalling, it would be nice to speak to an agent with better knowledge of the English language. I spent all of my telephone call asking them to repeat themselves and ended giving up. :-(