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  1. brettc

    Insurance for house and granny flat

    That particular scenario would most likely be covered by a "prevention of access" clause in the granny flat policy, providing it was included that is. Property unable to be accessed due to circumstances beyond your control, there are a whole range of situations that fit in to this. That...
  2. brettc

    EBM insurance offering 2 months free

    Our multiple policies discount kicks in at 5 properties and progresses from there. That said, at this stage a discount only applies to RentCoverUltra policies as RentCoverPlatinum is already heavily discounted. RentCoverPlatinum policies will still count towards the 5+ however.
  3. brettc

    EBM insurance offering 2 months free

    Unfortunately it is only available on new policies, it's just not sustainable on a repeat basis.
  4. brettc

    EBM insurance offering 2 months free

    No problem. Just private message me the property address as well as the name it is insured under and I will get it fixed up.
  5. brettc

    EBM insurance offering 2 months free

    I'm seeing it as still there, it is listed as "Promotional Code" on the application page immediately beneath "Where did you hear about this product?". You can just type "Somersoft" in there and the discount will be applied when you get your invoice. Is this what you were referring to?
  6. brettc

    Insurance on unit/apartment with body corp

    Yes as a general rule landlord policies will include public liability insurance. The amount will vary, generally $20 million, RentCover policies include $30 million.
  7. brettc

    Insurance on unit/apartment with body corp

    It certainly can vary. As a general rule (in regard to the building) the Body Corporate policy will cover the original kitchen and bathroom fitout as shown on the original BUP, but if it has been renovated at some stage and a new kitchen (for example) put in it is likely to be the landlord's...
  8. brettc

    Insurance on unit/apartment with body corp

    Essentially the Body Corporate policy will cover the building structure, walls, ceilings etc., as well as liability for common areas such as hallways, grounds, carpark, driveway etc. At the very least you need a Contents policy that will cover your carpets, curtains, blinds etc. against...
  9. brettc

    Landlord Insurance & Floods

    That's not settling, that's making a wise business and risk mitigation decision :)
  10. brettc

    Landlord Insurance & Floods

    First thing to remember is that "flood" is a very specific definition, and many events that people may call flood are in fact covered under storm damage. The actual definition of "flood" for insurance purposes is: ?Flood? means the covering of normally dry land by water that has escaped or...
  11. brettc

    Is there an EBM rep on here?

    Just for the record, Cadence doesn't work for EBM. And the information regarding the code is incorrect anyway. As far as I am aware I am the only EBM person on here and try to keep information as impartial as possible regarding insurance at all times. And certainly wouldn't work against a...
  12. brettc

    EBM or Terri Scheer? Quotes inside

    Unfortunately it's complicated. There are a few factors here: Firstly, historically the more properties one owner has insured against tenant-related risks reduces the potential ?selectivity? of the owner (insuring only the worst risks), so with the lower risk there can be a reduced...
  13. brettc

    EBM or Terri Scheer? Quotes inside

    There is a sliding scale on multiple properties, commencing at 5 or more. It then steps down again at 10, 15 and 25+. The discount only applies to RentCoverUltra policies though, not RentCoverPlatinum, unfortunately we just can't get these any lower (although RentCoverPlatinum policies are...
  14. brettc

    EBM or Terri Scheer? Quotes inside

    I'm biased so a bit hard for me to say, although I've been heavily involved in this industry for 24 years. There has been plenty of debate on this forum in the past and certainly the EBM products stack up very well. They are not the only good ones by any means but we have been at it for a very...
  15. brettc

    EBM or Terri Scheer? Quotes inside

    That's more like I had expected, how did you obtain a quote around $1,700? And you are quite correct, don't look for "cheap", look for "value", and be conscious of the cover and the claims process.
  16. brettc

    EBM or Terri Scheer? Quotes inside

    Are you sure about those premiums? I just did a quick check on the EBM one and had to guess a few details but got a quote quite a bit lower than what you have said (presuming it's brick construction), and I would generally expect the TS one to be a bit higher including both building and...
  17. brettc

    Insurance broker

    I can get someone to give you a call if you like, just private message me your phone number.
  18. brettc

    EBM insurance flood cover

    Note that that is referencing a home & contents policy, not the landlord product. They are different beasts and at this stage the landlord product does not include flood. It will in the future, but at this stage it is still a work in progress.
  19. brettc

    rural land insurance

    Whereabouts is it? I can probably put you in touch with someone in the local (region) area who can help.
  20. brettc

    Help! Have no landlords insurance, where do I get it?

    Sorry but that is completely incorrect. RentCoverUltra definitely includes defined risks such as fire, storm and water damage. This applies to the landlords contents etc. (carpets, curtains, blinds, light fittings etc.) but not to the building, which would be covered by the Body Corporate...
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