I have landlords (and building) insurance via CGU, and I just found out that they have implemented an additional $400 excess (total $500) for any event relating to loss of rent where the tenant leaves your property, ceases paying rent, or is evicted. They are obviously trying to avoid most of the minor claims they would receive for loss of rent for a couple of weeks between tenancies ... but still, $500 taken out of your claim is a pretty significant amount - in some cases this could be 5+ weeks rent (in my case it's about 2.5 weeks). I'm thinking it might be time to look around and see whether there's a better deal out there for landlords insurance and/or building insurance. Anyone have any feedback on other insurers (not brokers, I'm interested in the actual insurer policy) ? Specifically looking for feedback from those people who have actually made claims - your experiences with their product and service ?