EBM RentCover Landlord Insurance

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 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… Read more ·  1

with communication throughout the process. Couldn't recommend this company for your insurance needs higher.

They incorrectly state that I should ring the number on their website if I have unusual insurance request ring "EBM Insurance and Risk" and they might be able to direct me to a bespoke policy. But even with a slightly unusual request but not that strange they can offer nothing and can't help. … Read more ·  2

https://www.rentcover.com.au/insurance-insights/insurance-for-unusual-rentals/#:~:text=We%20also%20don't%20offer%20cover,agreements%20in%20place%2C%20including%20sub%2Dlets.

"If you are a landlord with an ‘unusual’ rental, it is still important to get cover. You may be able to find tailored cover to protect your investment. While EBM RentCover does not offer this, our colleagues at EBM Insurance & Risk may be able to help source a bespoke policy that meets your needs."

I just want to rent out two rooms and sometimes stay in the third bedroom when visiting the location (but reside normally elsewhere).

If they can't help they shouldn't put on their website that the might be able to help and suggest I ring. Or a better idea might be to actually help me find a bespoke policy.

The consultant I spoke to said she couldn't help because they class that as subletting if I want to sometimes stay in the house. I don't think this is subletting since I own the house, but anyway as you can see from the link above subletting (if you want to call it that but I wouldn't) is exactly what they said they might be able to help with.

They also shouldn't direct me to the insurance council of Australia and give me that number which is only for people who can't use the website. I asked the lady on the phone if this was just the number for people who can't use the website or if they would actually be able to help me and she thought it was a different number. However it was the normal number where they won't advice you on anything.

The insurance council of Australia also try not to have contact with anyone. They just list insurers but they don't actually help anyone trying to find slightly unusual insurance.

I am so tired of looking for insurance.

Lots of people out there, you should know if you do what I want to and rent out rooms but stay in the house sometimes YOU ARE PROBABLY NOT INSURED!

Overall this seems ridiculous because I am pretty sure that the landlord sometimes staying in the house will actually lower the risk of the house getting damaged. I have lived in the house for the last 4 years as owner occupied with two tenants, all I want to do is move out but not kick the tenants out.

I am giving them 4 stars even though I am annoyed, since prob. not fair to bring their rating down just because they can't help me even though their website said they might be able to. Also the lady I talked to a week or two ago on the weekend was kind when I was stressed about not being able to find insurance, and they did at least ring back as they said.

I recently had my very first EBM claim, and I honestly don't know how I would have managed it without the help of my claim manager Jamie Costelloe. She was incredibly professional and lovely to speak with, taking the time to truly listen and help me untangle this mess which felt so overwhelming at first. Her knowledge of the policies was… Read more ·  1

impressive, but what really stood out was how she went above and beyond to ensure everything was handled correctly. We all heard of horrendous claim stories but my experience with EBM is anything but and 100% positive. I’m so grateful for the peace of mind Jamie provided and I know I will stick with EBM as long as I have the property.

Jamie Costelloe has been a delight to work with. Responded to all my questions no matter how many times I asked in order for me to get it. Jamie answered my emails and calls promptly; it was a pleasure dealing with Jamie. Thank you so much for all your help. Show details ·  1

The saying" Proof of pudding is in eating it" is so very true with our experience with EBM claims. We had a very difficult tenancy and had to make claim for malicious damage from tenent. From the moment we made a claim with EBM, it has been a very refreshing and professional experience dealing with EBM to get our claim processed. Special mention… Read more ·  1

about Kate Caran and Maria Steven who were so professional and compassionate with their dealings with us. Thank you EBM for making our journey as smooth as possible.

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 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. … Read more

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.

Warning! EBM rent insurance is not worth the paper it's written on. Had a tenant break lease unexpectedly, just a few days later while vacant property manager noticed a water leak which prevented us from placing a new tenant who was ready to go from moving in. EBM said no to lost rent claim over repair period, which was extensive stating there was… Read more

no lease in place. Despite the fact we had a tenant break lease and a new tenant ready to move in, who was delayed due to unexpected water damage. EBM refused to cover loss of rent while the repairs were being carried out. Even when you think you have all the insurance you need, they will find a way to avoid.

Mis leading, every time you phone, you are given conflicting advice. Never same story twice Waste of my time Tried to cancel weeks ago, was offered a review, that was fair, still not expected outcome, NOT told you can only cancel in writting Show details

Kylie Rogers was helpful, positive and very efficient. I'm a repeat customer - and needed some details changed. usually takes a few emails and phone called was done within the hour. Thanks again Show details ·  1

I was unable to take out cover 3 weeks prior to settlement as EBM require both a Property Management Agreement and a Lease Agreement with a tenant prior to taking out insurance. It's not legally possible for me to sign a lease agreement on a property that I don't yet own. I think this requirement is nonsense, as they should be able to cover me for… Read more

the building insurance component and just deactivate the rent default and other landlord components of the insurance until a management and lease agreement are in place (which will happen post settlement). They weren't prepared to offer me building insurance only from settlement date until their other requirements were met. I had to call them twice for my enquiry so that I could speak with a different person, as the first time I called there was so much loud background talking that I couldn't clearly hear them. When I called back a second time, the person answering the phone was incredibly rude and constantly talked over the top of me, as well as giving inconsistent advice after having kept me on hold for ages trying to find my quote - hopeless!!

Not only did I feel securely covered insurance wise, but the service when I call or mailed was always there and friendly efficient and fast. thanks Kylie for the fabulous finish to the service experience. Paul Caine Show details ·  1

I had the pleasure of working with Alicia Hutchieson from the EBM Insurance Team, and I couldn’t be more impressed with her service. Alicia was not only knowledgeable and efficient but also incredibly approachable and patient throughout the entire process. She took the time to explain everything clearly and ensured I had the right coverage to suit… Read more ·  1

my needs. Her responsiveness and attention to detail gave me complete confidence in my insurance decisions. I highly recommend Alicia to anyone looking for professional, friendly, and reliable insurance support.

Difficult claims officer, did not read the submitted claim form, he made the whole process more complicated than it need to be. This person was most unhelpful and argued every part of our claim. In addition the language used was complicated and extremely difficult to interpret. The claim is still not resolved after 3 months! Show details

would give 6 stars if possible. There were some issues getting the correct documents from the tradesman, which delayed my claim, but I was helped by Maria at EBM throughout the process. I was shocked at how simple and stress free it was compared to what I had built up in my head, as it was my first time lodging an insurance claim. Very pleased. Show details ·  1

Just do it! – It doesn’t get any better than this mob. Few years ago they handled a claim for me, professional, efficient, timely and an outcome that exceeded my expectations. 100% piece of mind. Show details ·  1

First claim ever and EBM was amazing to deal with – The claims consultant was absolutely fantastic with her understanding and compassion with my claim. It made this extremely stressful situation a lot easier to deal with. Show details ·  1

EBM insurance no good – Do not use this company I cancelled all four policy's I had with them after they tried to increase payments from $1391 in Fy23/24 to $1830 in Fy24/25. They have not ethics.... Show details

Policy did not cover loss of rent – This product does not cover loss of rent - even though the our policy states that it does. We have recently had a claim for loss or rent rejected from this insurer - and they seem to find reasons not to pay on what should be covered under this policy. We would not recommend this insurer to any landlord. Show details

Policy review – Our Relationship Manager Elli is knowledgeable, friendly and professional. She keeps us updated and informed, and we are very happy with all aspects of the service we receive. Show details ·  1

5 Star Service – Honestly, I have dealt with many insurance companies as a property portfolio manager, and EBM are by far the easiest to deal with. Easy to submit a claim, received the best possible outcome, and was provided with useful information regarding the claim. Show details ·  1

Smooth claim process – Alicia was great to deal with throughout the whole claim process. I can't recommend her and EBM highly enough, it's always a smooth process. Show details ·  1

No response when trying to take out a policy – Have tried to obtain a quote. Nothing. They don’t answer emails. Called yesterday, left a message to be called back. Nothing. Extremely hard to do business with by the seems if things, makes me believe that I’ve dodged a bullet if I ever gad to make a claim. Glad I have avoided trying to go with this company. Show details

Look elsewhere for cover – Our premium last year for a modest property (under EBM's brand RentCover) was $105.27. This year it has risen to $548. This is an increase of 5 times in one year. The reasons they quoted was inflation and increased cost of materials. Our cover is primarily contents (mainly carpets and blinds) public liability and default on rent, so no building… Read more

work, broken windows etc as this is covered by the strata building insurance. We have never made a claim and while we expected a small increase in price because of inflation, this is a rip off.

Great experience and claim outcome – Alicia Hutchieson, our Claims Specialist, has been excellent to deal with. Very professional, courteous and responsive. I would definitely recommend EBM RentCover to my colleagues, friends, and family. Show details ·  1

Great company with good people who know what they’re doing – I’ve not made a claim but the purchasing process was excellent including having to make a bunch of amends to keep our SMSF lender happy. It was an onshore person who knew what they were doing and got me the best price when I told them what I had research from 3 other quotes . I was recommended them because someone said they are the main player in Landlord Insurance. Thanks Show details ·  1

Good experience and great outcome – Hang Pham has been excellent to deal with. Very professional and responsive. Claim process was easy and the refund fast. Would recommend EBM insurance to family and friends. Show details ·  1