Featuring Sarina Gibbon, APIA and Rene Swindley, Initio Insurance
Given the current rent environment, excess setting for landlord insurance has become an art
What’s an insurance policy for if not to help you bounce back from unexpected and costly events? And with the RTA putting a limit on tenants’ liability for carelessly damaging your property, excess setting has become an art for landlords. We will talk about how to set your excess in a way that would optimise your insurance coverage in real terms.
👌 The pros and cons of a high and low excess;
👌 How to set your rent and bond to avoid claiming on insurance in the first place;
👌 How do different insurers define an ‘event’, and how are those differences affect your ability to remediate and return the property to its original state;
👌 How to stay on top of current pricing and not be duped by inflation; and
👌 Other ways to manage your insurance cost.
Sarina is the general manager of the APIA. Rene is the founder and director of Initio Insurance.
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