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ok that sounds too easy, thanks!

I have been making calls to Insurance companies and Banks in last few days and from what I understand it is not the same. But if you ask for LL insurance then it usually includes Home insurance.

I found out that I can get full house & LL insurance with EBM for about $580 although that is depending on how much it would cost to rebuild my house? My house is valuated at around $170,000 before completion of renovations which should add another 10k. So I just guessed and got quoted on $120k...

I got a quote from EBM: LL insurance for house $330 per year LL insurance for unit $330 per year House & Contents Insurance for house $640 Total: $1,300 or $108 per month Do you know of any other Insurance companies I should also try that could be competitive in service and price?

thanks for the feedback. I think I'll get a few more quotes next week.

2-3 months seems a long time to go without rent. I would want to have rent prepaid, wouldn't most people be doing this? If they go over two weeks without paying then I couldn't I throw them out? With the unit I'm doubtful the current owner and soon to be tenant is the type to trash the property...

I wonder if it is worth the extra expense? The unit has some pretty worn, ugly carpet including old shagpile but because the current owner is going to stay on and rent it out with her little tiny dog then I won't need to change it as they are happy with it. The house has wooden floorboards. Both...

I have two properties to insure and both will be rented out. One is a house and the other is a 2 bdr unit. With the unit, from what I understand there is no need to get insurance as Strata fees cover this including fire etc. So I would just need fire and disaster insurance for the house...