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Cover for damage caused by electrical currents or wiring, including motor fusion.

Electrical faults can result in significant damage to property and appliances, particularly when motors or wiring are affected. Fusion occurs when an electric motor or its wiring burns out due to an electrical current, which can render appliances or equipment unusable.

RentCover Ultra provides protection for this type of damage to select items, covering the cost of repairing or rewinding the motor. If the motor is less than 15 years old, the policy may also cover its replacement.

This cover helps landlords and property managers avoid unexpected expenses while ensuring essential equipment remains functional, protecting both the property and tenant experience.

Cover for damage caused by electrical currents or wiring, including motor fusion.

Electrical faults can result in significant damage to property and appliances, particularly when motors or wiring are affected. Fusion occurs when an electric motor or its wiring burns out due to an electrical current, which can render appliances or equipment unusable.

RentCover Platinum provides protection for this type of damage to select items, covering the cost of repairing or rewinding the motor. If the motor is less than 15 years old, the policy may also cover its replacement.

This cover helps landlords and property managers avoid unexpected expenses while ensuring essential equipment remains functional, protecting both the property and tenant experience.

Cover for damage caused by electrical currents or wiring, including motor fusion.

Electrical faults can result in significant damage to property and appliances, particularly when motors or wiring are affected. Fusion occurs when an electric motor or its wiring burns out due to an electrical current, which can render appliances or equipment unusable.

RentCover ShortTerm provides protection for this type of damage to select items, covering the cost of repairing or rewinding the motor. If the motor is less than 15 years old, the policy may also cover its replacement.

This cover helps landlords and property managers avoid unexpected expenses while ensuring essential equipment remains functional, protecting both the property and tenant experience.

Cover for court and tribunal fees related to loss of rent claims.

While most tenancies run smoothly, disputes can arise that may be lengthy and costly. When a tenant falls behind on rent or breaches their obligations, you may need to resolve the matter through a court or tribunal.

RentCover Ultra provides cover for legal expenses associated with loss of rent claims, helping to offset the cost of resolving disputes. This protection ensures you can pursue recovery of unpaid rent without being burdened by potentially high court or tribunal fees, giving landlords peace of mind and support when tenancy issues occur.

Cover for court and tribunal fees related to loss of rent claims.

While most tenancies run smoothly, disputes can arise that may be lengthy and costly. When a tenant falls behind on rent or breaches their obligations, you may need to resolve the matter through a court or tribunal.

RentCover Platinum provides cover for legal expenses associated with loss of rent claims, helping to offset the cost of resolving disputes. This protection ensures you can pursue recovery of unpaid rent without being burdened by potentially high court or tribunal fees, giving landlords peace of mind and support when tenancy issues occur.

Cover for court and tribunal fees following damage caused by an insured event.

While most tenancies proceed smoothly, disputes or damage-related issues can sometimes require legal intervention. Following an insured event, you may need to attend court or a tribunal to resolve the matter.

RentCover ShortTerm provides cover for legal expenses in these situations, helping to manage the costs of pursuing or defending a claim. This ensures you have support when navigating the legal process, giving peace of mind and assistance when issues arise.

Cover for legal liability, including tenant injury.

Landlords have a legal responsibility to provide a safe environment for their tenants. If this duty is breached and someone is injured, you can be held legally liable and face compensation claims. Costs, including medical expenses, lost income, and damages for pain and suffering, can quickly escalate from tens of thousands to millions of dollars.

RentCover Ultra provides protection when you are found legally liable for an incident, including tenant injury, helping to cover both compensation and associated legal costs.

Legal liability limits in landlord insurance policies are often set in the millions, reflecting the potentially high cost of claims.

Cover for legal liability, including tenant injury.

Landlords have a legal responsibility to provide a safe environment for their tenants. If this duty is breached and someone is injured, you can be held legally liable and face compensation claims. Costs, including medical expenses, lost income, and damages for pain and suffering, can quickly escalate from tens of thousands to millions of dollars.

RentCover Platinum provides protection when you are found legally liable for an incident, including tenant injury, helping to cover both compensation and associated legal costs.

Legal liability limits in landlord insurance policies are often set in the millions, reflecting the potentially high cost of claims.

Cover for legal liability, including tenant injury.

Landlords have a legal duty to ensure a safe environment for all visitors to their property. If this duty is breached and someone is injured, you can be held legally liable and face compensation claims. Costs, including medical expenses, lost income, and damages for pain and suffering, can quickly escalate from tens of thousands to millions of dollars.

RentCover ShortTerm provides protection when you are found legally liable for an incident, including tenant injury, helping to cover both compensation and associated legal costs.

Legal liability limits in landlord insurance policies are often set in the millions, reflecting the potentially high cost of claims.

Cover for loss of rent when a tenant defaults, absconds, breaks a lease, or experiences hardship.

Loss of rent accounts for around two-thirds of landlord insurance claims at EBM RentCover. RentCover Ultra provides protection in a range of situations, including:

• When a tenant stops making payments due to financial hardship
• Following the death of a tenant
• When a tenant leaves the property unexpectedly
• When a tenant refuses to vacate and a court order is required for possession
• During periods of repair

Specialised landlord insurance can help landlords avoid the financial and emotional stress of lost rental income. EBM RentCover offers up to six or 52 weeks of cover for loss of rent, with a maximum of $1,500 per week:

• Loss of rent due to tenant default or unexpected departure is covered up to six weeks
• Loss of rent following a tenant’s death, during repairs, or when the property is inaccessible is covered up to 52 weeks

If your property is rented out at more than $1,500 per week, we can still offer cover up to $4,000. Chat to us about how this works. 

While landlord insurance provides a safety net, prevention is always better than cure. For guidance on minimising rental arrears, read our practical tips here.

Cover for loss of rent when a tenant defaults, absconds, breaks a lease, or experiences hardship.

Loss of rent accounts for around two-thirds of landlord insurance claims at EBM RentCover. RentCover Platinum provides protection in a range of situations, including:

• When a tenant stops making payments due to financial hardship
• Following the death of a tenant
• When a tenant leaves the property unexpectedly
• When a tenant refuses to vacate and a court order is required for possession
• During periods of repair

Specialised landlord insurance can help landlords avoid the financial and emotional stress of lost rental income. EBM RentCover offers up to six or 52 weeks of cover for loss of rent, with a maximum of $1,500 per week:

• Loss of rent due to tenant default or unexpected departure is covered up to six weeks
• Loss of rent following a tenant’s death, during repairs, or when the property is inaccessible is covered up to 52 weeks

If your property is rented out at more than $1,500 per week, we can still offer cover up to $4,000. Chat to us about how this works. 

While landlord insurance provides a safety net, prevention is always better than cure. For guidance on minimising rental arrears, read our practical tips here.

Cover for loss of income when confirmed bookings cannot be occupied due to tenant damage or insured events.

RentCover ShortTerm protects landlords when a property becomes uninhabitable and confirmed bookings are affected. This includes situations such as damage caused by a tenant or unforeseen events covered under the policy, including natural disasters.

For example, if a property cannot accommodate guests due to storm damage, flooding, or another insured event, landlords can claim the income they would have received from those confirmed bookings. Coverage is limited to bookings that were already confirmed at the time of the incident, ensuring landlords are reimbursed for actual lost income rather than potential future bookings.

Cover for building damage caused by natural disasters.

Protecting your investment property from extreme weather is essential. RentCover Platinum provides cover for damage to the building caused by natural disasters, including bushfire, flood, earthquake, tsunami, and cyclone. This helps landlords to safeguard their property financially against some of the most severe environmental risks.

When selecting insurance, it’s important to check whether your policy includes the events most likely to affect your property. However, some environmental conditions are uninsurable, particularly where damage occurs gradually rather than from a single ‘insured event’, such as coastal erosion.

If you require building cover, you determine the sum insured at the time of application. This should represent the full cost to rebuild the property in the event of a total loss.

Optional cover for building damage caused by natural disasters.

This cover applies only if building insurance is included in your RentCover ShortTerm policy, and an additional premium will apply. Protecting your investment property from extreme weather events is essential, and RentCover ShortTerm offers cover for damage caused by bushfire, flood, earthquake, tsunami, and cyclone.

When selecting insurance, it’s important to check whether your policy includes the events most likely to affect your property. However, some environmental conditions are uninsurable, particularly where damage occurs gradually rather than from a single ‘insured event’, such as coastal erosion.

If you require building cover, you determine the sum insured at the time of application. This should represent the full cost to rebuild the property in the event of a total loss.

Excesses: Storm – $500 | Flood – $500 | Fire – $500 | Earthquake – $500 | Cyclone – $1,000

Cover for contents damage caused by natural disasters.

Protecting your investment property from extreme weather is essential, and the right insurance policy can provide financial security. RentCover Ultra offers cover for damage to contents caused by natural disasters, including bushfire, flood, earthquake, tsunami, and cyclone.

When selecting insurance, it’s important to check whether your policy includes the events most likely to affect your property. However, some environmental conditions are uninsurable, particularly where damage occurs gradually rather than from a single ‘insured event’, such as coastal erosion.

This cover helps landlords safeguard their property’s contents, reducing financial loss and allowing for quicker recovery after natural disasters.

Cover for contents damage caused by natural disasters.

Protecting your investment property from extreme weather is essential, and the right insurance policy can provide financial security. RentCover Platinum offers cover for damage to contents caused by natural disasters, including bushfire, flood, earthquake, tsunami, and cyclone.

When selecting insurance, it’s important to check whether your policy includes the events most likely to affect your property. However, some environmental conditions are uninsurable, particularly where damage occurs gradually rather than from a single ‘insured event’, such as coastal erosion.

This cover helps landlords safeguard their property’s contents, reducing financial loss and allowing for quicker recovery after natural disasters.

Cover for contents damage caused by natural disasters.

Protecting your investment property from extreme weather is essential, and the right insurance policy can provide financial security. RentCover ShortTerm offers cover for damage to contents caused by natural disasters, including bushfire, flood, earthquake, tsunami, and cyclone.

When selecting insurance, it’s important to check whether your policy includes the events most likely to affect your property. However, some environmental conditions are uninsurable, particularly where damage occurs gradually rather than from a single ‘insured event’, such as coastal erosion.

This cover helps landlords safeguard their property’s contents, reducing financial loss and allowing for quicker recovery after natural disasters.

Cover for damage to fixed contents and the building caused by a tenant’s domestic pet.

Many landlords and property managers are cautious about allowing pets in investment properties due to the risk of damage. With the right insurance in place, however, landlords can claim for repair costs if a pet causes damage, even if the pet is not named on the lease.

RentCover Ultra provides cover for damage caused by a tenant’s domestic pet to both fixed contents and the building.

Case in point: One landlord received almost $12,500 after discovering a dog had urinated extensively throughout the property. The payout covered carpet removal and painting, restoring the property to a rentable condition.

Excess: $400 per event (capped at two). This means that if a pet causes damage in separate areas, such as chewing a door in one room and tearing up carpet in another, each incident is treated as a separate event, and two excesses would apply.

Cover for damage to fixed contents and the building caused by a tenant’s domestic pet.

Many landlords and property managers are cautious about allowing pets in investment properties due to the risk of damage. With the right insurance in place, however, landlords can claim for repair costs if a pet causes damage, even if the pet is not named on the lease.

RentCover Platinum provides cover for damage caused by a tenant’s domestic pet to both fixed contents and the building.

Case in point: One landlord received almost $12,500 after discovering a dog had urinated extensively throughout the property. The payout covered carpet removal and painting, restoring the property to a rentable condition.

Excess: $400 per event (capped at two). This means that if a pet causes damage in separate areas, such as chewing a door in one room and tearing up carpet in another, each incident is treated as a separate event, and two excesses would apply.

Cover for damage to contents and the building caused by a guest’s domestic pet.

Many landlords are cautious about allowing pets in investment properties due to the potential for damage. With the right insurance in place, landlords can claim for repair costs if a guest’s pet causes damage during their stay.

RentCover ShortTerm provides cover for damage to fixed contents and the building caused by a guest’s domestic pet, helping landlords protect their property and manage unexpected repair expenses.

Cover for building damage caused by storms.

Storms can cause significant damage to an investment property, from structural issues to roof and exterior damage. RentCover Platinum protects your building against a range of storm-related events, including:

• Flooding caused by torrential rainfall
• Cyclones or hurricanes
• Heavy rain, which may be accompanied by snow, sleet, or hail

This cover helps landlords to repair or rebuild the property following storm damage, reducing financial strain and helping to restore the property to a rentable condition.

If you require building cover, you determine the sum insured at the time of application. This should represent the full cost to rebuild the property in the event of a total loss.

Optional cover for building damage caused by storms.

This cover applies only if building insurance is included in your policy, and an additional premium will apply. Storms can cause significant damage to an investment property, from structural issues to roof and exterior damage. RentCover ShortTerm protects your building against a range of storm-related events, including:

• Flooding caused by torrential rainfall
• Cyclones or hurricanes
• Heavy rain, which may be accompanied by snow, sleet, or hail

This cover helps landlords to repair or rebuild the property following storm damage, reducing financial strain and helping to restore the property to a rentable condition.

If you require building cover, you determine the sum insured at the time of application. This should represent the full cost to rebuild the property in the event of a total loss.

Cover for contents damage caused by storms.

Storms can cause extensive damage to the contents of an investment property. RentCover Ultra protects your property’s contents against a range of storm-related events, including:

• Flooding caused by torrential rainfall
• Cyclones or hurricanes
• Heavy rain, which may be accompanied by snow, sleet, or hail

This cover ensures landlords can repair or replace damaged contents following storm events, reducing financial loss and helping restore the property quickly to a habitable and rentable condition.

Cover for contents damage caused by storms.

Storms can cause extensive damage to the contents of an investment property. RentCover Platinum protects your property’s contents against a range of storm-related events, including:

• Flooding caused by torrential rainfall
• Cyclones or hurricanes
• Heavy rain, which may be accompanied by snow, sleet, or hail

This cover ensures landlords can repair or replace damaged contents following storm events, reducing financial loss and helping restore the property quickly to a habitable and rentable condition.

Covers damage to contents after a storm.

Storm damage includes:

• flooding caused by torrential rainfall
• cyclone or hurricane
• rain which may be accompanied by snow, sleet and hail.

Cover for the costs of an audit related to the ownership of the insured property.

EBM RentCover provides protection for expenses arising from audits connected to your investment property. If the Commissioner of Taxation investigates a return related to a property insured with us, RentCover Ultra will cover the associated audit costs.

Coverage includes up to $1,000 per audit, and if more than one audit occurs during the same period of insurance, the maximum combined payout is $2,000. This ensures landlords can manage the financial impact of audits without incurring unexpected out-of-pocket costs.

Cover for the costs of an audit related to the ownership of the insured property.

EBM RentCover provides protection for expenses arising from audits connected to your investment property. If the Commissioner of Taxation investigates a return related to a property insured with us, RentCover Platinum will cover the associated audit costs.

Coverage includes up to $1,000 per audit, and if more than one audit occurs during the same period of insurance, the maximum combined payout is $2,000. This ensures landlords can manage the financial impact of audits without incurring unexpected out-of-pocket costs.

Cover for the costs of an audit related to the ownership of the insured property.

EBM RentCover provides protection for expenses arising from audits connected to your investment property. If the Commissioner of Taxation investigates a return related to a property insured with us, RentCover ShortTerm will cover the associated audit costs.

Coverage includes up to $1,000 per audit, and if more than one audit occurs during the same period of insurance, the maximum combined payout is $2,000. This ensures landlords can manage the financial impact of audits without incurring unexpected out-of-pocket costs.

Covers tenant damage to fixed contents and building, including intentional, malicious and accidental damage.

Some insures only cover one type and others (like us) cover three types of tenant damage to fixed contents and building:

• Accidental – the result of sudden, unexpected or unforeseen events (such as a child scribbling on the walls with a permanent marker).
• Malicious – caused on purpose with intent to do harm, motivated by vindictiveness or spite with the aim of damaging the property (such as punching a hole through a door) .
• Intentional – the result of an act carried out without permission but without malice, and with the full knowledge the action will alter the current state of the property (putting picture hooks in walls or painting a wall a different colour).

NOTE: We often get claims for wear and tear. However, wear and tear is something that just happens over time with normal use of the property – something that has not been caused intentionally, or by misuse or abuse. Because wear and tear is expected and considered normal maintenance, it is not covered by landlord insurance.

*Excess: $400 per claim for malicious tenant damage. Or, $400 per event for accidental and intentional tenant damage (capped at two). This means, if a tenant’s kid accidentally draws on the walls and a tenant also paints a room a different colour, they’d be treated as two separate events and two excesses would apply.

Covers tenant damage to fixed contents and building, including intentional, malicious and accidental damage.

Some insures only cover one type and others (like us) cover three types of tenant damage to fixed contents and building:

• Accidental – the result of sudden, unexpected or unforeseen events (such as a child scribbling on the walls with a permanent marker).
• Malicious – caused on purpose with intent to do harm, motivated by vindictiveness or spite with the aim of damaging the property (such as punching a hole through a door) .
• Intentional – the result of an act carried out without permission but without malice, and with the full knowledge the action will alter the current state of the property (putting picture hooks in walls or painting a wall a different colour).

NOTE: We often get claims for wear and tear. However, wear and tear is something that just happens over time with normal use of the property – something that has not been caused intentionally, or by misuse or abuse. Because wear and tear is expected and considered normal maintenance, it is not covered by landlord insurance.

*Excess: $400 per claim for malicious tenant damage. Or, $400 per event for accidental and intentional tenant damage (capped at two). This means, if a tenant’s kid accidentally draws on the walls and a tenant also paints a room a different colour, they’d be treated as two separate events and two excesses would apply.

Covers accidental guest damage to fixed contents and building.

Accidental damage is the result of sudden, unexpected or unforeseen events (such as a child scribbling on the walls with a permanent marker).

Excess: $350 per event. This means if a child scribbles on the wall in one room and a glass of wine stains the carpet in another, they’re two separate events and two excesses would apply (e.g. $700).

Cover for theft affecting the building and fixed contents.

RentCover Ultra protects landlords against theft that damages or removes parts of the building or fixed contents, such as fittings and awnings. For example, we once paid $990 to a client after a tenant stole ceiling fans. Note: Cash is not covered under this policy.

To maintain cover, landlords and property managers must implement basic security measures, such as ensuring all doors have functioning locks. For full details, read our PDS.

Important: This cover does not extend to tenant belongings. Tenants should obtain their own contents insurance. It also excludes non-fixed items supplied by the landlord, such as furniture or whitegoods, though coverage for these items can be requested for an additional cost.

Excess: $400 if the theft is committed by the tenant, or $500 if the theft is committed by someone not named on the lease.

Cover for theft affecting the building and fixed contents.

RentCover Platinum protects landlords against theft that damages or removes parts of the building or fixed contents, such as fittings and awnings. For example, we once paid $990 to a client after a tenant stole ceiling fans. Note: Cash is not covered under this policy.

To maintain cover, landlords and property managers must implement basic security measures, such as ensuring all doors have functioning locks. For full details, read our PDS.

Important: This cover does not extend to tenant belongings. Tenants should obtain their own contents insurance. It also excludes non-fixed items supplied by the landlord, such as furniture or whitegoods, though coverage for these items can be requested for an additional cost.

Excess: $400 if the theft is committed by the tenant, or $500 if the theft is committed by someone not named on the lease.

Cover for theft affecting the building and fixed contents.

RentCover ShortTerm protects landlords against theft that damages or removes parts of the building or fixed contents, such as fittings and awnings. For example, we once paid $990 to a client after a tenant stole ceiling fans. Note: Cash is not covered under this policy.

To maintain cover, landlords and property managers must implement basic security measures, such as ensuring all doors have functioning locks. For full details, read our PDS.

Important: This cover does not extend to tenant belongings. Tenants should obtain their own contents insurance. It also excludes non-fixed items supplied by the landlord, such as furniture or whitegoods, though coverage for these items can be requested for an additional cost.

Cover for building and contents damage caused by water, including overflowing basins and bursting pipes.

Water damage can strike unexpectedly and cause significant structural and financial impact. With the right insurance in place, landlords do not need to face these events alone. RentCover Platinum provides protection for damage to both the building and fixed contents caused by events such as bursting pipes, overflowing basins or baths (must be fixed in place), leaking roofs, sewerage discharge, and sudden water escape from waterbeds or aquariums.

Note: Most insurers do not cover water damage that occurs gradually over time, such as mould or corrosion, as these issues are generally considered preventable. Landlord insurance policies typically require that all reasonable measures are taken to prevent future damage and loss.

If you require building cover, you determine the sum insured at the time of application. This should represent the full cost to rebuild the property in the event of a total loss.

Optional cover for water damage to contents and building, including overflowing basins and bursting pipes.

This cover applies only if building insurance is included in your policy, and an additional premium will apply. Water damage can occur suddenly and cause extensive damage and disruption. With the right insurance in place, landlords do not need to bear the financial burden alone.

RentCover ShortTerm protects against water damage from sources such as bursting pipes, overflowing basins or baths (must be fixed in place), leaking roofs, sewerage discharge, and sudden water escape from waterbeds or aquariums.

Note: Most insurers do not cover water damage that develops gradually over time, such as mould or corrosion, as these are generally preventable. Landlord insurance policies typically require that all reasonable steps are taken to prevent future damage and loss.

If you require building cover, you determine the sum insured at the time of application. This should represent the full cost to rebuild the property in the event of a total loss.

Cover for sudden water damage to contents.

Water damage can occur unexpectedly, causing significant destruction and frustration. With the right insurance, landlords do not need to bear the cost of repairs or replacements alone.

RentCover Ultra provides protection for contents damaged by water from sources such as bursting pipes, overflowing basins or baths (must be fixed in place), leaking roofs, sewerage discharge, and sudden water escape from waterbeds or aquariums.

Note: Most insurers do not cover water damage that develops gradually over time, such as mould or corrosion, as these are considered preventable. Landlord insurance policies generally require that all reasonable steps are taken to prevent future damage and loss.

Cover for sudden water damage to contents.

Water damage can occur unexpectedly, causing significant destruction and frustration. With the right insurance, landlords do not need to bear the cost of repairs or replacements alone.

RentCover Platinum provides protection for contents damaged by water from sources such as bursting pipes, overflowing basins or baths (must be fixed in place), leaking roofs, sewerage discharge, and sudden water escape from waterbeds or aquariums.

Note: Most insurers do not cover water damage that develops gradually over time, such as mould or corrosion, as these are considered preventable. Landlord insurance policies generally require that all reasonable steps are taken to prevent future damage and loss.

Cover for sudden water damage to contents.

Water damage can occur unexpectedly, causing significant destruction and frustration. With the right insurance, landlords do not need to bear the cost of repairs or replacements alone.

RentCover ShortTerm provides protection for contents damaged by water from sources such as bursting pipes, overflowing basins or baths (must be fixed in place), leaking roofs, sewerage discharge, and sudden water escape from waterbeds or aquariums.

Note: Most insurers do not cover water damage that develops gradually over time, such as mould or corrosion, as these are considered preventable. Landlord insurance policies generally require that all reasonable steps are taken to prevent future damage and loss.