Who is eligible for a EBM landlord insurance policy?

EBM landlord insurance policies are suitable for the following people: Landlords who own a home in Australia used for residential purposes that they rent out to tenants under a lease agreement (contents insurance is suitable for landlords that also have contents that will be used by tenants). Landlords who want financial protection for loss or damage to their property (including contents for those who have furnished properties). RentCover ShortTerm is suitable for properties rented out for less than six months at a time, including holiday homes, Airbnb accommodation and serviced apartments.

How do I make a claim with EBM landlord insurance?

To make an EBM landlord insurance claim, follow these steps: Contact the EBM RentCover claims team to let them know what's happened. They can help you with the next steps to take. Take notes and pictures of what happened. This is so that they can see and understand exactly what's happened. Note down the brand, model and serial number of the damage items if possible. Stay safe and prevent further damage. Try and stop further damage from occurring, but only if it's safe to do so. You may need to get quotes for repairs. EBM will let you know if you need to do this. A repairer may also need to fill out a report of the damage. Keep your receipts. So you can get reimbursed for the expenses. Submit a claim. You can download a claim form from EBM's website or use its online claims portal to submit your claim. You should hear back within a day.

EBM landlord insurance review

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EBM provides insurance for short-term rentals and Airbnb properties.
While offering flexible cover options, EBM currently only accepts annual payments.
Policies can include protection for standard events and specific features like drug lab clean-up.

Our Verdict

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.

Pros

EBM is good for its flexibility. It comes with lots of cover options for landlords.
Unlike many insurers, EBM offers short-term rental options.

Cons

It cheaper to pay annually. A handful of insurers we looked at allow you to pay monthly at no extra cost.

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:

fire icon

Fires

thunderstorm icon

Storms

broken window icon

Breakage of glass

explosion icon

Explosion

broken house icon

Earthquake

EBM landlord insurance features

Standard features
Exclusions

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Standard 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

Exclusions

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.

Frequently asked questions

EBM landlord insurance policies are suitable for the following people:
- Landlords who own a home in Australia used for residential purposes that they rent out to tenants under a lease agreement (contents insurance is suitable for landlords that also have contents that will be used by tenants).
- Landlords who want financial protection for loss or damage to their property (including contents for those who have furnished properties).
- RentCover ShortTerm is suitable for properties rented out for less than six months at a time, including holiday homes, Airbnb accommodation and serviced apartments.
To make an EBM landlord insurance claim, follow these steps:
- Contact the EBM RentCover claims team to let them know what's happened. They can help you with the next steps to take.
- Take notes and pictures of what happened. This is so that they can see and understand exactly what's happened. Note down the brand, model and serial number of the damage items if possible.
- Stay safe and prevent further damage. Try and stop further damage from occurring, but only if it's safe to do so.
- You may need to get quotes for repairs. EBM will let you know if you need to do this. A repairer may also need to fill out a report of the damage.
- Keep your receipts. So you can get reimbursed for the expenses.
- Submit a claim. You can download a claim form from EBM's website or use its online claims portal to submit your claim. You should hear back within a day.

Sources

Thank you for your feedback!

Written by

Gary Ross Hunter

Journalist

Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise

Gary Ross has written 572 Finder guides across topics including:

Health, home, life, car, pet and travel insurance
Managing the cost of living

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2 Responses

GaryJanuary 24, 2025

Does EBM Rent Cover insurance offer monthly payments for landlord insurance?

Finder

AngusJanuary 28, 2025Finder

Hi Gary, EBM only offers an annual payment option.

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EBM landlord insurance

EBM landlord insurance is good for Airbnb hosts and comes with flexible options for landlords.