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I use property insurance plus for all of my owners ($239 per annum) or there is also EBM, Terri Sheer. They are the most common that agents use. Unfortunately you may have learnt the hard way that increasing your excess to decrease your premium is kinda a silly move in the renting game given...

it really depends on your individual policy and who you are covered with. As a general rule - most insurances will not cover cleaning or gardens so you deduct the cost of these from the bond, they will cover the cost of the lost rent (most should cover even despite a periodic tenancy) some...