What are the best landlord insurance options in Australia?

What are best landlord insurance options in Australia in 2025-2026 according to Canstar, Finder and ProductReview are Terri Scheer, EBM, AAMI, Allianz and NRMA for comprehensive landlord building, contents and rent default. Best landlord insurance should cover building $500K, contents $20K to $50K, loss of rent 12 months up to $10K to $20K, theft and damage by tenant $50K, and public liability $20M, costing $300 to $600 per year plus building insurance $1,200 to $1,800. Terri Scheer, part of Suncorp, rated best for comprehensive with 4.4 stars, $400 to $600 per year for building $500K plus contents $20K and rent default, covering tenant damage $50K and rent loss 12 months, with weekly inspection required. EBM RentCover rated best for value with 4.5 stars, $350 to $550 per year, covering rent default and damage with low excess $400. AAMI Landlord $300 to $500 per year, covering building and contents with rent default 12 weeks. Allianz Landlord $400 to $600, covering building and liability. NRMA Landlord $350 to $600. For budget, Budget Direct and Youi offer landlord add-on $200 to $400 but less rent default. So best landlord insurance options are Terri Scheer for comprehensive rent default and tenant damage, EBM for value, AAMI and Allianz for bundle with building, all covering $20M liability, tenant damage and loss of rent, with premiums $300 to $600 per year plus building.