What is the cheapest insurance for landlords?

What is cheapest insurance for landlords in Australia in 2025-2026 is Budget Direct, Youi and AAMI landlord add-on $200 to $400 per year for contents $20K and rent default and liability $20M, plus building $1,200 to $1,800 if separate, total $1,400 to $2,200 combined, versus Terri Scheer $400 to $600 plus building $1,500 = $1,900 to $2,100. Cheapest landlord insurance for building $500K plus contents $20K and rent default is Budget Direct landlord $250 to $400 per year, Youi $250 to $400, AAMI $300 to $500, with lower premiums due to higher excess $600 to $800 and less rent default cover 12 weeks versus 12 months from Terri Scheer and EBM. For example, Budget Direct landlord contents $20K and rent default 12 weeks $250 per year, plus building $500K $1,200 = $1,450 total, while Terri Scheer $450 plus building $1,500 = $1,950, saving $500. However cheapest may have exclusions for tenant damage $10K limit versus $50K from Terri Scheer, and rent default 12 weeks $5K versus 12 months $15K. So cheapest insurance for landlords is Budget Direct and Youi $200 to $400 per year for contents and rent default plus building $1,200 to $1,800, total $1,400 to $2,200, with higher excess and less rent default, while best comprehensive is Terri Scheer and EBM $400 to $600 plus building, costing more but covering $50K tenant damage and 12 months rent default, so cheapest saves $300 to $500 but less cover.