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Hey Brett The coverage of tenants on periodic leases was my main reason from dumping GIO since they only cover fixed period. Tica definitely do cover periodic leases. The cost between EBM and Tica was pretty close as I got a quote from EBM as well. Just some feedback for you, one of the main...

$285 is for landlord insurance (rent default etc). Building is on top of that. It would only be $285 if it was for a strata etc property where a third party insures the building. I have recently moved my insurances from GIO to TICA landlord insurance.