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

No reviews yet. Write a review

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

Check icon

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.

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 618 Finder guides across topics including:

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

More resources on Finder

Short-term rental and Airbnb insurance CGU Landlord Insurance Review

Ask a question

Click here to cancel reply.

Display name

Your email (will not be published)

Your question

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

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.

More guides on Finder

Qantas Landlord Insurance review
Find out why Qantas landlord insurance could be a good fit for your rental property.
Rent default
Rent default and loss of rent are 2 different features of landlord insurance you might need.
CBA Landlord Insurance Review
Read our break down of CBA landlord insurance.
RAA Landlord Insurance review
Find out if RAA landlord insurance has a policy that’s right for you.
Short-term rental and Airbnb insurance
Find out how to get short term rental and Airbnb insurance
Landlord Insurance QLD
Your guide to getting landlord insurance in Queensland.
Virgin Money landlord insurance review
Your quick guide to Virgin Money Landlord Insurance.
Coles landlord insurance review
Your guide to Coles Landlord Insurance.
Allianz Landlord Insurance review
Find out if Allianz Landlord Insurance is right for you with our review.
The best landlord insurance in Australia – 3 experts picks
The best landlord insurance is the one that you can trust to protect your investment when you're not there.

EBM landlord insurance

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