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Does EBM differentiate between privately managed and agent managed properties with your level of cover and/or excesses? As I pointed out earlier that is why I avoided Terri Scheer. I went with AAMI a couple of months ago for my first property, based on price (around $300 cheaper than everyone...

Back on topic, to the OP, did you read the Terri Scheer PDS? When I considered them a few months ago they only covered $500 for malicious damage minus your excess of $500, which equates to ZERO cover!