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If you search these forums I expect you will find plenty of comments regarding EBM's landlord products. They are among the most popular and successful of their type and utilised by thousands of real estate agents and in excess of 100,000 landlords. Having been in this industry for more than 20...

Yes, but you would still be subject to any excess, and it's still a claim against your name. It's really the same as any other landlord claim in that respect, the tenant is responsible for the loss, so in a perfect world they would simply pay the loss. In reality, they often don't, that's why...

That really is quite a simple point, it would have to be the tenants responsibility and you shouldn't be looking to make a claim for it. Different matter I guess if the tenant simply won't pay.

Just to clarify. Accidental Damage in RentCoverUltra won't apply to loose items of furniture (such as a TV), it would apply to what you may call fixtures & fittings such as carpets, curtains, blinds, light fittings etc. This policy as standard is designed for unfurnished properties so...

The way excesses are applied will be in the PDS, but the actual amounts may be in your cover summary. What was mentioned by Salvatore is a practice of some of the large general insurers where they deduct both the equivalent of 4 weeks rent (the bond essentially but they don't say it that way)...

The "leaving the tap on" is likely to be covered under the "water damage" defined event, so would be covered. On the other examples though you would I imagine be correct.

It would be rare that you would find a landlord insurance policy that includes Accidental Damage to loose contents (such as furniture, TV's etc.). In saying that, it is something we are currently looking at as an inclusion for the future. The difference here is that "fire" is an insured event...