EBM landlord insurance

EBM landlord insurance is good for Airbnb hosts and comes with flexible options for landlords.

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By

Gary Ross Hunter

Updated

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EBM Insurance

Our Verdict

EBM landlord insurance is good if you want an insurer that comes with lots of options, including short-term rental cover that can be tailored to your property and your needs. However, it doesn't offer additional add-ons, unlike the majority of insurers.

Pros

  • EBM is good for its flexibility. It comes with lots of cover options for landlords.
  • Unlike many insurers, EBM offers short-term rental options.

Cons

  • It cheaper to pay annually. A handful of insurers we looked at allow you to pay monthly at no extra cost.

What does EBM landlord insurance cover?

EBM offers two main landlord insurance options: RentCover Ultra and RentCover Platinum. You can also get Householders Rental cover and RentCover ShortTerm which is designed for properties rented out for less than six months at a time, including holiday homes, Airbnb accommodation and serviced apartments. These policies can cover the building, contents or both again insured events such as:

EBM landlord insurance features

Standard features
Exclusions

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Standard features

Here are some of the main inclusions that EBM can cover you for when an insured event occurs and you need to make a claim.

  • Change of locks following a bailiff eviction
  • Death of a tenant
  • Denial of access
  • Drug lab clean-up
  • Fire damage to building
  • Fire damage to contents

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Exclusions

EBM's general exclusions are similar to other insurers. You won't be covered for loss or damage related:

  • Actions of the seas
  • Faulty design, materials or workmanship
  • Wear and tear
  • Illegal activity
  • Felling or lopping trees at the site
  • Intentional damage

This isn't an extensive list of EBM's general exclusions. You can find the full list of what's not covered on its PDS.

Frequently asked questions

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Editor, Insurance

Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

Gary Ross's expertise
Gary Ross has written 648 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living
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