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True true. I am still with QBE at this stage. Will be either QBE or EBM in the end. What can I do but hope for the best. I've done the best I can in regards to tenants - I've picked tenants with a good employment history and good references - I chose them over others who offered me...

:D Thanks Brett. Mmmmm I was a bit put off by Terri Scheer. I looked into them once and their premiums are low, but their cover was skimpier than what was quoted by AAMI and QBE. Hence why I now view low premiums with a grain of salt.

Thanks everyone for your input. I rang EBM today and they have quoted me a flat fee of $300+. They didn't ask alot of questions, unlike QBE (How much do you want to insure the contents for? what kind of locks do you have? what floor are you on? do you have grilles?). I am awaiting their quote...

At this stage leaning towards EBM - it is underwritten by QBE, who are the same company as CHU, who do my strata building insurance. But EBM only insure for the cost to replace/repair to the current state, not original state (ie not 'new for old'). So, if my floorboards which will cost me 15k to...

Thanks tyla. I will look into them then as well.

Thanks Brett. I know what you mean. I read somewhere else on this forum about someone having 2 doors in their property being damaged. The insurer treated this as 2 incidents, so the insured owner had 2 lots of excesses deducted (something like that). Oh well. I am trying to secure a good...

Thanks. I will ask, but I prefer it to be stated in the PDS also. Anyone can say anything, can't they.... I also have suspicions about who is on the other end of the phone. Could be an inexperienced 18 year old hired yesterday. What would they know.

:D Re: the vacuuming - do you mean men never vacuum or men never knock over fish tanks? I have seen MANY men vacuum - flatmates, family members, tradies :) Thank you BrettC. At this stage I am leaning towards Suncorp, if they really do cover accidental. If Suncorp doesn't cover...

Thanks beachgurl. I'm looking for a policy which hopefully covers accidental. Surely one must exist? And cleaning. I might look into Allianz. Was sucked in by their 'ahhhh' ads. Will read the PDS to see if they're as good as they claim to be. Problem is, you never know until you have to...

haha! I just don't like the way they fudge the 'accidental' and 'malicious'. Why is accidentally dropping a TV on the floor = 'accidental' = not covered but accidentally burning down the house = 'accidental malicious' = covered ..........? way too much wriggle room there for my liking...

Have a strata unit as my IP. I spoke to them on the phone and apparently if the tenants drop a tv on the floor and crack the tiles i am not covered as it is 'accidental'. If the tenants burn the unit down by accident however i am covered under Accidental malicious ' damage. Hmmm...