- EBM is good for its flexibility. It comes with lots of cover options for landlords.
- Unlike many insurers, EBM offers short-term rental options.
- It cheaper to pay annually. A handful of insurers we looked at allow you to pay monthly at no extra cost.
Review by our insurance and innovations editor Gary Ross Hunter
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What does EBM landlord insurance cover?
EBM offers two main landlord insurance options: RentCover Ultra and RentCover Platinum. You can also get Householders Rental cover and RentCover ShortTerm which is designed for properties rented out for less than six months at a time, including holiday homes, Airbnb accommodation and serviced apartments. These policies can cover the building, contents or both again insured events such as:
EBM landlord insurance features
Here are some of the main inclusions that EBM can cover you for when an insured event occurs and you need to make a claim.
- Change of locks following a bailiff eviction
- Death of a tenant
- Denial of access
- Drug lab clean-up
- Fire damage to building
- Fire damage to contents
EBM's general exclusions are similar to other insurers. You won't be covered for loss or damage related:
- Actions of the seas
- Faulty design, materials or workmanship
- Wear and tear
- Illegal activity
- Felling or lopping trees at the site
- Intentional damage
This isn't an extensive list of EBM's general exclusions. You can find the full list of what's not covered on its PDS.
Bottom line about EBM landlord insurance
EBM landlord insurance is good if you want an insurer that comes with lots of options, including short-term rental cover that can be tailored to your property and your needs. However, it doesn't offer additional add-ons, unlike the majority of insurers.
If you want to compare more policies side-by-side before you buy, head to our landlord insurance page here.
FAQs about EBM landlord insurance
EBM landlord insurance reviews
If you've held or currently hold a EBM landlord insurance policy, we'd love to hear from you. Your reviews help other Australians decide if EBM is right for them. Some reviews are from a survey commissioned by Finder.