Best Landlord Insurance in Australian Capital Territory Canberra–Queanbeyan

Great exp buying the policy - it has good product options. Show details

I recently arranged landlord insurance with EBM RentCover, and the experience was outstanding thanks to one exceptional team member, Giancarlo… Read more

Vagnini.

I was working against a tight settlement deadline and needed to ensure my property was insured accurately and in time to protect my asset and allow settlement to proceed as scheduled. Giancarlo went above and beyond throughout the entire process. He took the time to understand my situation, answered all my questions, and worked diligently to make sure everything was in place when it needed to be.

His professionalism, responsiveness, and genuine commitment to helping made all the difference. In my experience, dealing with insurance companies can often be frustrating, and I've had some real horror stories in the past. This was the complete opposite. Giancarlo provided a level of customer service that is increasingly rare and truly exceeded my expectations.

If Giancarlo is representative of EBM RentCover's values and culture, then the company should be very proud. This experience has given me great confidence in EBM RentCover, and they will definitely be my insurer of choice moving forward.

Thank you, Giancarlo, for your exceptional service and for making what could have been a stressful process so seamless.

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

All their claims for accidental tenant damage and loss of rent are incorrect. TS makes every excuse under the sun NOT to pay. If they do pay loss of… Read more

rent then it takes them months. For my property pool cleaning is extra and separate but in the contract. TS refused to pay. Property damaged by tenants was most items fixed but no one even the professionals could not find why the ducted was not working and turning off. Could not rent the property because it did not comply the minimum standard in Victoria. TS refused to pay rent although the tenants had stuffed a bag of clothes in the roof foil. I have 2 cases for which I will be taking them to AFCA. Take the insurers on and fight for your right. They want you to back off. Don't let them win, you pay insurance for unforeseen circumstances so if you have a genuine case then take them head on.

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].

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

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.