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when talking about insurance - you have to remember that almostbob and kathryn are in canada, not australia. different country, different regulations.

i'm like most here and don't see the issue. tenant is going to paying the excess, insurance company is going to pay the rest - you're not out of pocket. you will find that pm will organise insurance company (you may have to sign a form and authorise pm for this) ... but other than a...