Insurance insights

Which type of property professional are you? 

Whether you’re a landlord growing your portfolio or a property manager overseeing rentals for clients, your approach to risk matters.

We’ve put together a quick quiz to help you discover your style and the type of insurance protection that you might want to consider. As you go, note down whether your answers are A–E. At the end, add them up to find out what type of property professional you are…  

Please note, this quiz is for general information and engagement purposes only. It does not take your personal circumstances into account and should not be relied upon as financial or insurance advice. The results are intended as a guide only

What best describes your role? 

A. I own one or two investment properties. 

B. I own multiple properties and treat it as a business. 

C. I manage rental properties on behalf of landlords. 

D. I specialise in short-term or holiday rentals. 

E. I’m new to property investing or management.  

What concerns you most? 

A. Property damage or unexpected repairs. 

B. Loss of rental income across several properties. 

C. Liability exposure or professional risk. 

D. Guest damage and loss of rental income. 

E. Not fully understanding my risks yet.  

How hands-on are you? 

A. Very. I like to stay closely involved. 

B. Strategic. I focus on performance and returns. 

C. Process-driven. I manage compliance and communication. 

D. Fast-paced. I deal with frequent tenant or guest changeovers. 

E. Still learning. I’m building confidence.  

How do you handle risk? 

A. Regular inspections and preventative maintenance. 

B. Structured systems and professional advice. 

C. Clear procedures and documentation. 

D. Quick turnaround processes and strong screening. 

E. I’m not entirely sure yet.  

Your results

Mostly A’s?

You’re the hands-on landlord… You’re highly involved in caring for your property and want protection that covers the unexpected.  

Consider this: Specialist landlord insurance designed to cover rental properties for the common risks it faces.   

Why it might work:  

• Has the option to cover building and/or contents  

• Accidental and malicious damage protection  

• Tenant-related loss of rent  

• Legal liability cover  

When you are hands-on, you need a policy that works just as hard, protecting your investment from the unexpected.  

Mostly B’s?

You’re the portfolio investor… Property is a key part of your wealth strategy, and protecting your income is essential.  

Consider this: Specialist landlord insurance designed to cover rental properties for the common risks it faces.  

Why it might work:  

• Specialist protection across your multiple properties  

• Tenant-related loss of rent  

• Accidental and malicious damage protection

• Legal liability cover  

Portfolio investors need reliable protection. Specialist cover helps safeguard income and reduce risk across your entire property portfolio.  

Mostly C’s?

You’re the Property Manager… You manage risk on behalf of landlords and need insurance that supports you and your clients.  

Consider this: Partner with EBM RentCover and get access to policies designed specifically for landlords. Working with EBM RentCover gives you access not only to specialist landlord insurance, but also: 

• Training and education to help you and your team stay informed 

• Legislation updates to keep you ahead of changes that impact property management 

• Expert support to help you protect the properties you manage 

Mostly D’s?

You’re the short-term rental specialist… You operate in a fast-paced environment with increased guest-related risks. 

Consider this:A policy designed for short-term rentals (like RentCover ShortTerm). 

Why it might work: 

• Tailored for Airbnb and other short-stay rentals 

• Covers guest damage 

• Loss of income when you have to cancel a guest booking due to insured events 

• Legal liability protection  

• Designed specifically for short-term letting (where standard home and contents policies may not respond) 

Short-stay rentals bring unique risks and specialist short-term insurance ensures those risks are better covered. 

Mostly E’s?

You’re the emerging property professional…You’re still building confidence and want cover that’s simple and reliable. 

Consider this: Specialist landlord insurance designed to cover rental properties for the common risks it faces.  

Why it might work:  

• Has the option to cover building and/or contents  

• Accidental and malicious damage protection  

• Tenant-related loss of rent  

• Legal liability cover  

Getting the right foundation now prevents expensive surprises later and specialist landlord insurance gives you clarity and confidence. 

*While we have taken care to ensure the information above is true and correct at the time of publication, changes in circumstances and legislation after the displayed date may impact the accuracy of this article. If you need us we are here, contact 1800 661 662 if you have any questions.