EBM rentcover or westpac landlords insurance?

Hi all,

I took out Westpac landlords insurance on a unit in Feb, and just found out my PM company has also taken out EBM rentcover on my behalf without my permission, which I wasn't very happy about.

Anyway now I have 2 insurances and need to cancel one of them myself, so am trying to pick which one to keep.

My westpac landlords is $25 per month with $300 excess but with no accidental, and the EBM rentcover equates to about $20 per month with $400 excess and includes accidental.

I hear good things about EBM rentcover, however I do also have westpac building/landlords on my house and have had 2 claims (one recently a large flooding) with very good experiences.

Which one would others keep?
 
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