Ok, as above I'm pretty much a novice. I have a couple of properties, one that has given more than my fair share of grief recently. But that is what I have insurance for - right Well you would hope. But my policy is due, and to be honest I'm not 100% happy with AAMI. The cost of the premium is what I'd consider high at $1036.46. Yep, that is just for the one property. And we pay over $10K worth of insurances a year. But the thing is, I'm not seeing the value . Tenant, destroys the place, leaves unpaid rent, need to take him to VCAT, fully furnished house reduced to almost no furniture, and every piece damaged in some way. Insurance company reluctant to pay up, putting us through the wringer further (like we haven't gone through enough). So then, I get the place evaluated from another REA. Who seem EXCELLENT. They had landlord 'packs' with all the relevant information ready to go, but forgot to bring one out to the property so hand delivered to our door. And it has a brochure for Terri Scheer in there. I'm reading through it, and have got the opinion from this forum that it may be a better way to go. But then, I read the brochure some more, and they are quoting premiums of $285 a year!!!! WHAT, I thought they would be MORE expensive. Being a long weekend, I can't call them to inquire if that is right. But I was wondering if forum members could give me an opinion on this insurer, and elaborate a little more about their fees? I'd love the help.