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For a long time Terri Scheer was only available to managed properties, however they have since introduced a policy for privately managed properties. Beware however, as the policy is not the same as the one for managed properties as you will see if you search these forums, there have been a...

I have to say it always astounds me. It's important to ensure you get "value" out of your insurance, but that doesn't necessarily mean the cheapest price. You need to ensure the risks you want to be protected against are going to be covered, as well of course that the company is going to pay...

Actually now that you say that, I do recall a good advert that one of our competitors had once which went along the line of: "You wouldn't go to an insurance broker to get finance, so why go to a bank to get insurance?" It simply makes sense to use specialists.

I don't want to bag out anyone, including the banks, but ask yourself how much the banks care when passing on interest rate cuts and then transpose that to insurance, which for them is just an add-on service that they can make a few more bucks out of. As for there being an argument that they...

Trying to really understand what a policy is like from PDS's is extremely difficult, unless you are trained to do it. In fact even then it's difficult. Unfortunate but true. There are a load of problems with comparison sites of course, one being that they generally have a vested interest of...

Sorry for delay I'm sure I didn't receive an email that comments had been made and have been snowed with other work. My understanding is that Terri Scheer treat their damage excesses much the same way EBM does. It depends to some degree on the type of damage. Malicious Damage claims have a...

To be honest that's just dumb business (in my opinion), but is likely to reflect the inflexibility of being owned by a major insurer. Having a good policy is just the first stage, customer service is critical. I know how we've treated similar situations (not that we require immediate payment...

I'm somewhat intrigued as to what you may consider building up a "significant" pool of money to handle a "big issue". The landlord insurance component of a policy may be from say $250-$350 per year per property (depending on location and insurer), these costs being tax deductible, so...

The $255 for Terri Scheer is referring to a landlord policy and contents only. Musashi's premium included $310K building as well, so a completely different policy. With Terri Scheer you would need to add a building policy to the $255 landlord policy.

Are you rent your property out direct or through an agent? Terri Scheer has two separate policies depending on whether you go through an agent or not, I'm not overly conversant with the direct policy but it certainly appears far more restrictive than the one for professionally managed...