I was comparing insurance and quote for Terri Sheer was cheaper amongst all other ones that i checked.
I was told that Terri Sheer don't cover lots of things and you will find exclusion when you have to make claim. Example I was given that they don't cover Accidental Damage by tenant. That seems fundamental to landlord insurance as it is most likely scenario as not many tenants will intentionally damage.
I used to be with EBM and they were fairly straightforward for claiming when tenant moved out at start of covid.
If you are with Terri Sheer, what has been your experience in terms of claim?
They also don't cover any drug related incidents, such as if your rental property burn down while cultivating drugs. Similar to AAMI.