EBM RentCover building insurance: what each policy covers, and who underwrites it
3 building policies from EBM RentCover. For each: how the building is valued, whether flood and accidental damage are covered, and what happens once the building is left empty, with the sentence from its own documents. Underwritten by Zurich Australian Insurance Limited.
- Website
- rentcover.com.au/
- What it is
- Underwriting agency
- Listed on
- Houses and rental properties
- Underwriter
- Zurich Australian Insurance Limited
- APRA
- Authorised by APRA to write new general insurance (listed as Zurich Australian Insurance Limited)
- Sold by
- RentCover Underwriting Agency Pty Ltd (EBM RentCover) · AFSL 246986 · authorised representative no. 325630
Building policies
RentCover Platinum
- Type
- Landlord · Residential
- Sold
- Direct
- Levels of cover
- RentCover Ultra, RentCover Platinum, RentCover ShortTerm
- Building valued as
- Sum insured
- Flood
- Included
- Accidental damage
- Included
- Left empty
- Extra $1,000 excess after 90 days; extra $2,000 excess after 180 days. You must tell the insurer. Unless you told EBM and it agreed in writing. Not applied to lightning, riot, impact or earthquake claims.
- Who it is for
- Stand-alone homes and townhouses needing landlord, contents and building cover in one policy.
- Documents
- PDS - Ultra, Platinum and Householders Rental (prepared 5 September 2025) (5 September 2025) · Financial Services Guide
- Excess $500 for natural disaster and fire damage to the building; $400 per event for tenant damage.
The policy
“RentCover Platinum is designed for stand-alone homes and townhouses needing cover for the entire property, from the driveway to the backyard.”
Source: rentcover.com.au/landlord-insurance/platinum/ · Confirmed on the insurer's page on 13 November 2026.
How it is sold
“Get a quote or call today Get a quote or call 1800 661 662”
Source: rentcover.com.au/landlord-insurance/platinum/ · Confirmed on the insurer's page on 13 November 2026.
How the building is valued
“It is the full cost to rebuild your home in the event of a total loss and covers the removal of debris. You determine and tell us the sum insured at the time of application.”
Source: rentcover.com.au/landlord-insurance/platinum/ · Confirmed on the insurer's page on 13 November 2026.
Flood
“RentCover Platinum offers cover for damage to the building caused by Mother Nature, including: bushfire , storm , flood , earthquake, tsunami and cyclone .”
Source: rentcover.com.au/landlord-insurance/platinum/ · Confirmed on the insurer's page on 13 November 2026.
Accidental damage
“Covers tenant damage to fixed contents and building, including intentional, malicious and accidental damage.”
Source: rentcover.com.au/landlord-insurance/platinum/ · Confirmed on the insurer's page on 13 November 2026.
Left empty
“For the period from 90 consecutive days up to 180 consecutive days of Unoccupancy the excess will be $1,000 per claim.”
Source: rentcover.com.au/wp-content/uploads/2026/03/EBM-RentCover-PDS-Ultra-Platinum-and-Householders-Rental.pdf · Confirmed on the insurer's page on 13 November 2026.
Who it is for
“RentCover Platinum is designed for stand-alone homes and townhouses needing cover for the entire property, from the driveway to the backyard.”
Source: rentcover.com.au/landlord-insurance/platinum/ · Confirmed on the insurer's page on 13 November 2026.
RentCover Ultra
- Type
- Landlord · Residential
- Sold
- Direct
- Building valued as
- Not stated
- Flood
- Not stated
- Accidental damage
- Not stated
- Left empty
- Extra $1,000 excess after 90 days; extra $2,000 excess after 180 days. You must tell the insurer. Unless you told EBM and it agreed in writing. Not applied to lightning, riot, impact or earthquake claims.
- Who it is for
- Apartments, units and villas covered under a strata building policy or insured separately, and standalone homes where the building is insured separately.
- Documents
- PDS - Ultra, Platinum and Householders Rental (prepared 5 September 2025) (5 September 2025)
- Landlord and contents cover only; the building itself (Section 2) is not insured under Ultra.
The policy
“Designed for apartments, units, and villas covered under a strata building insurance policy or insured separately, as well as standalone homes where the building is insured separately.”
Source: rentcover.com.au/ · Confirmed on the insurer's page on 13 November 2026.
How it is sold
“Get a quote or call today Get a quote or call 1800 661 662”
Source: rentcover.com.au/landlord-insurance/ultra/ · Confirmed on the insurer's page on 13 November 2026.
Left empty
“For the period from 90 consecutive days up to 180 consecutive days of Unoccupancy the excess will be $1,000 per claim.”
Source: rentcover.com.au/wp-content/uploads/2026/03/EBM-RentCover-PDS-Ultra-Platinum-and-Householders-Rental.pdf · Confirmed on the insurer's page on 13 November 2026.
Who it is for
“Designed for apartments, units, and villas covered under a strata building insurance policy or insured separately, as well as standalone homes where the building is insured separately.”
Source: rentcover.com.au/ · Confirmed on the insurer's page on 13 November 2026.
RentCover ShortTerm
- Type
- Landlord · Residential
- Sold
- Direct
- Building valued as
- Not stated
- Flood
- Not stated
- Accidental damage
- Not stated
- Left empty
- Cover may be refused. You must tell the insurer. No day count: tell EBM if left vacant for an indefinite period; it may vary terms, charge more or deny cover.
- Who it is for
- Short-term rental properties including holiday homes, Airbnb accommodation and serviced apartments.
- Documents
- PDS - ShortTerm
- Building cover is optional.
The policy
“Designed for short-term rental properties including holiday homes, Airbnb accommodation and serviced apartments.”
Source: rentcover.com.au/ · Confirmed on the insurer's page on 13 November 2026.
How it is sold
“Get a quote or call today Get a quote or call 1800 661 662”
Source: rentcover.com.au/landlord-insurance/short-term/ · Confirmed on the insurer's page on 13 November 2026.
Left empty
“the premises is left vacant or unoccupied for an indefinite period”
Source: rentcover.com.au/wp-content/uploads/2026/03/EBM-RentCover-PDS-ShortTerm.pdf · Confirmed on the insurer's page on 13 November 2026.
Who it is for
“Designed for short-term rental properties including holiday homes, Airbnb accommodation and serviced apartments.”
Source: rentcover.com.au/ · Confirmed on the insurer's page on 13 November 2026.
Who underwrites and sells it
Underwriter
“The Policy is underwritten by Zurich Australian Insurance Limited (ZAIL or Zurich), ABN 13 000 296 640, AFS Licence No. 232507”
Source: rentcover.com.au/wp-content/uploads/2026/03/EBM-RentCover-PDS-Ultra-Platinum-and-Householders-Rental.pdf · Confirmed on the insurer's page on 13 November 2026.
Who sells it
“In this document, any reference to 'we', 'our' or 'us' means RentCover Underwriting Agency Pty Ltd (EBM RentCover) ABN 76 130 218 914 / ARN 325630.”
Source: rentcover.com.au/wp-content/uploads/2026/03/EBM-RentCover-PDS-Ultra-Platinum-and-Householders-Rental.pdf · Confirmed on the insurer's page on 13 November 2026.
Zurich Australian Insurance Limited: licence
- AFS licence
- 232507 · ZURICH AUSTRALIAN INSURANCE LIMITED
- ABN
- 13000296640
- Licensed since
- 31 January 2004
- Principal business
- North Sydney NSW 2060
- General insurance
- Licensed to deal in general insurance products
From ASIC's AFS Licensee dataset, release of 11 November 2026, Creative Commons Attribution 3.0 Australia.
Distributor's licence
- AFS licence
- 246986 · ELKINGTON BISHOP MOLINEAUX INSURANCE BROKERS PTY LIMITED
- ABN
- 31009179640
- Licensed since
- 10 March 2004
- Principal business
- West Perth WA 6005
From ASIC's AFS Licensee dataset, release of 11 November 2026, Creative Commons Attribution 3.0 Australia.
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