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Not saying what i did to be critical, but to drive the point that you need to be a bit more pro active/assertive. I would have lost patience (and faith) in the agency long ago and changed over, and made sure the problem WAS rectified. The other thing is gum leaves accumulating in gutters...

What is the reason for no insurance? Even if it were 6 weeks or a bigger bond, it wouldn't do you much good if the place was to go up in flames. It appears this poor ol' IP has suffered serious neglect by you and the PM. You need to take a bit more control of your investment affairs...