EBM RentCover
EBM RentCover is an Australian landlord insurance specialist underwriting since 1991 under a Zurich binding authority, offering Ultra, Platinum, and ShortTerm policies distributed through 1,800+ property professional partners and direct online channels to landlords nationwide.
- Company typePrivate
- Founded1991
- HeadquartersCamberwell, Australia
- Headcount101–250
- GTM typeB2C
- OfferingServices
What EBM RentCover does
EBM RentCover is an Australian landlord insurance specialist operating since 1991, underwriting through a binding authority from Zurich Australian Insurance Limited and serving as an authorised representative of Elkington Bishop Molineaux Insurance Brokers within the broader EBM Group. The company writes three core landlord insurance products — RentCover Ultra (contents and landlord cover for strata-covered units), RentCover Platinum (comprehensive landlord, contents and building cover for standalone homes), and RentCover ShortTerm (cover for holiday homes, Airbnb, and serviced apartments) — distributed primarily through a 1,800+ property professional partner network of Distributors, Corporate Authorised Representatives, and Referrers, with a direct-to-landlord online quote and phone channel supplementing distribution.
The technology stack is centred on an underwriting and policy administration platform supporting online quote, application, and policy issuance, complemented by RCPLive, a dedicated agent portal for partner policy and claims management, and a customer-facing online claims submission portal with dedicated claims specialists assigned to each matter. Claims handling for major losses (fire, storm, flood) is performed substantially in-house. Marketing and customer acquisition combine content marketing through the Info Centre blog, a monthly newsletter ("The Report"), organic social, and Relationship Manager-attended investor events.
EBM RentCover's revenue model is commission-based on insurance premiums underwritten by Zurich via its binding authority, with annual subscription-style premium pricing disclosed publicly (e.g., $343-$475+ per year for Ultra depending on state). Scale signals include approximately 155,000 properties covered, 7,000 claims received in 2025, $43.5M paid in claims in 2025, 52,000 calls handled in 2025, and around 100 team members. The company is privately held within the EBM Group, with no disclosed funding rounds, M&A, or external valuation.
EBM RentCover firmographics
Firmographics- Name
- EBM RentCover
- Legal name
- RentCover Underwriting Agency Pty Ltd
- Website
- https://rentcover.com.au
- Company type
- Private
- Founded year
- 1991
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- EBM RentCover is an Australian landlord insurance specialist underwriting since 1991 under a Zurich binding authority, offering Ultra, Platinum, and ShortTerm policies distributed through 1,800+ property professional partners and direct online channels to landlords nationwide.
- Ownership category
- akta.pro rank
EBM RentCover industry classification
Industry- Product category
- Landlord Insurance
- NAICS
- Direct Property and Casualty Insurance Carriers (524126), Insurance Carriers and Related Activities (524)
- SIC
- Fire, Marine & Casualty Insurance (6331), Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Landlord / Dwelling Fire (DP) Insurance (FSAJACAD)
Keywords
Where EBM RentCover is headquartered
LocationHeadquarters
- HQ city
- Camberwell
- HQ country
- Australia
- HQ region
- Oceania
Offices1 record
Markets served
EBM RentCover business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Technology or R&D, Marketing or Sales, Others
Revenue model
- Landlord Insurance Premiums: EBM RentCover generates revenue through insurance premiums paid by landlords for coverage. The company operates as an underwriting agency under a binding authority from Zurich Australian Insurance Limited, arranging, entering into and distributing insurance on behalf of Zurich. Premium pricing varies by property location, risk profile, and policy type (Ultra, Platinum, ShortTerm).
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | RentCover Ultra - Landlord and contents insurance for apartments, units, townhouses, and standalone homes with separate building insurance |
| Subscription | Annual | RentCover Platinum - Landlord, contents and building insurance for standalone homes needing cover for the entire property from driveway to backyard |
| Subscription | Annual | RentCover ShortTerm - Landlord, contents and optional building insurance for short-term rental properties including holiday homes, Airbnb accommodation, and serviced apartments |
Go-to-market motion2 records
Distribution channels6 records
Marketing channels6 records
EBM RentCover product offering
Product offeringCore offering
EBM RentCover is an Australian underwriting agency that designs and distributes specialist landlord insurance for residential rental property owners. It offers three tailored policies — RentCover Ultra (landlord and contents for strata-insured or separately insured buildings), RentCover Platinum (landlord, contents and building cover for standalone homes), and RentCover ShortTerm (cover for short-term and holiday rentals) — underwritten on behalf of Zurich Australian Insurance Limited through the EBM Group's binding authority, with distribution via direct online/phone channels and a network of property manager partners using the RCPLive agent portal.
Product overview
EBM RentCover is an Australian landlord insurance specialist operating since 1991, offering a portfolio of three core insurance products: RentCover Ultra (landlord and contents cover for strata-insured apartments and units), RentCover Platinum (comprehensive landlord, contents and building cover for standalone homes), and RentCover ShortTerm (cover for short-term rentals including holiday homes and Airbnb). The products are distributed through property agents and directly to landlords, with the RCPLive online agent portal facilitating broker and agent access to policy management and claims processing.
Differentiator
Problem solved
Functional benefit
Brands
- RentCover Ultra: Landlord and contents insurance for apartments, units, villas covered under strata building insurance or insured separately, as well as standalone homes where the building is insured separately.
- RentCover Platinum
- RentCover ShortTerm
Products and services
- RentCover Ultra Landlord and contents insurance designed for apartments, units, townhouses, and standalone homes where the building is insured separately (e.g., under strata building insurance). Covers fire, storm, flood, theft, malicious and accidental tenant damage, pet damage, loss of rent, and legal liability for Australian landlords with professionally managed rental properties. Premiums range from $343/year in Tasmania to $475/year in NSW, billed annually.
- RentCover Platinum Comprehensive landlord, contents and building insurance designed for standalone homes needing cover for the entire property from the driveway to the backyard. Policy start date must be within 30 days of application. Covers fire, storm, flood, theft, tenant damage, pet damage, loss of rent and legal liability, billed annually.
- RentCover ShortTerm Landlord, contents and optional building insurance for short-term rental properties including holiday homes, Airbnb accommodation, and serviced apartments rented out for less than six months at a time. Covers short-stay risks not typically addressed by standard landlord policies, including guest damage, theft and loss of booking income, billed annually.
- RCPLive Agent Portal Online agent portal (RCPLive) providing a centralised platform for property management agents to oversee all insurance needs, including applying for cover on behalf of landlords, managing policies, and guiding claims documentation. Available to EBM RentCover's 1,800+ property professional partners in Australia.
Quantifiable outcome
- More than 155,000 landlords trust EBM RentCover nationwide
- +4 more outcomes
Companies that use EBM RentCover
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles3 records
EBM RentCover technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
EBM RentCover partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- Zurich Australian Insurance LimitedcoreEBM RentCover operates under a binding authority from Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507). This allows EBM RentCover to arrange, enter into and distribute insurance on behalf of Zurich and to deal with or settle claims on their behalf. Zurich is the underwriting insurer for EBM RentCover's landlord insurance products.
- Elkington Bishop Molineaux Insurance Brokers (EBM)coreEBM RentCover is a related company of, and authorised representative of, Elkington Bishop Molineaux Insurance Brokers Pty Ltd (ABN 31 009 179 640, AFSL 246986). EBM holds the binding authority from Zurich and provides the regulatory framework under which EBM RentCover operates as an underwriting agency.
- Property Professionals (Property Managers/Real Estate Agents)coreEBM RentCover partners with more than 1,800 property professionals across Australia who distribute landlord insurance to their landlord clients. Partners can operate as Distributors, Corporate Authorised Representatives, or Referrers. Partners receive access to RCPLive portal, dedicated Relationship Managers, and professional indemnity insurance coverage under EBM RentCover's PI policy.
- EBM GroupcoreEBM RentCover is part of the broader EBM Group. The EBM Group's broking division allows clients to access tailored insurance covering varying risks specific to the real estate industry, including professional indemnity, cyber cover and scalable business insurance. Specialised brokers work alongside real estate businesses to recognise risk, develop complete insurance programs, and implement solutions.
Scale indicators8 records
Recent moves6 records
Expansion highlights5 records
EBM RentCover competitors and assessment
Company assessmentBroad incumbents
- Suncorp Group: Suncorp offers landlord and investment property insurance through its AAMI, Suncorp, and GIO brands across Australia. It is a broad incumbent with deep distribution that competes with EBM RentCover for property investor policies, though landlord insurance is not its primary specialty.
- QBE Insurance Australia: Global P&C insurer with a significant Australian operations offering commercial and residential property cover including landlord insurance. QBE competes indirectly with EBM RentCover and represents the type of large carrier whose underwriting decisions shape capacity for the broader landlord insurance market.
- AAMI: Suncorp-owned Australian personal lines insurer offering home, contents, and landlord insurance through direct and partner channels. AAMI is a broad incumbent with strong brand recognition that overlaps with EBM RentCover on landlord cover.
- Allianz Australia: Major Australian P&C insurer offering landlord and investment property cover as part of a broad personal lines portfolio. Competes with EBM RentCover for the same landlords but lacks EBM RentCover's specialist underwriting focus and agent-exclusive distribution model.
- IAG (NRMA Insurance, CGU): IAG owns NRMA Insurance, CGU, and other Australian P&C brands that offer landlord and rental property cover. As Australia's largest general insurer, IAG competes with EBM RentCover across both direct and intermediated channels and has significantly greater capital and scale.
Direct peers
- CHU Underwriting Agencies: Australian underwriting agency specialising in strata and community title insurance, also part of the Steadfast network. While focused on strata (adjacent to EBM RentCover's Ultra product for strata-covered properties), it operates in the same underwriting-agency model and shares customer overlap with property managers.
- Terri Scheer Insurance: Terri Scheer is Australia's other major specialist landlord insurance provider, offering policies directly to investors and through property manager partnerships. It is the closest head-to-head competitor to EBM RentCover in the same product category and customer base.
Emerging players
- Bingle: Suncorp's digital-only direct insurer offering home and contents cover with a streamlined online experience. While currently focused on owner-occupied properties, Bingle represents the type of low-cost digital entrant that could expand into landlord insurance and erode EBM RentCover's direct channel.
- Honey Insurance: Australian insurtech offering direct-to-consumer home and contents insurance with a digital-first model. While focused on owner-occupied homes, it overlaps with EBM RentCover in serving Australian property owners and represents a digital distribution threat.
Regional players
- Budget Direct: Australian direct-to-consumer insurer offering landlord and investment property cover primarily online and over the phone. It competes with EBM RentCover on price and convenience but does not have the agent-distribution depth or landlord-only specialisation.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
EBM RentCover social profiles
Digital presenceEBM RentCover financial estimates
Financial estimateRevenue estimate
Valuation estimate
EBM RentCover leadership team
Management profileNumber of profiles
Profiles2 records
EBM RentCover funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
EBM RentCover M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about EBM RentCover
What does EBM RentCover do?
EBM RentCover is an Australian underwriting agency that designs and distributes specialist landlord insurance for residential rental property owners. It offers three tailored policies — RentCover Ultra (landlord and contents for strata-insured or separately insured buildings), RentCover Platinum (landlord, contents and building cover for standalone homes), and RentCover ShortTerm (cover for short-term and holiday rentals) — underwritten on behalf of Zurich Australian Insurance Limited through the EBM Group's binding authority, with distribution via direct online/phone channels and a network of property manager partners using the RCPLive agent portal.
Is EBM RentCover a public or private company?
EBM RentCover is a private company. It is classified as corporate owned and is currently operating.
When was EBM RentCover founded?
EBM RentCover was founded in 1991. It employs 101 to 250 people.
Where is EBM RentCover based?
EBM RentCover is headquartered in Camberwell, Australia, in the Oceania region.
How does EBM RentCover make money?
One revenue line is on record: landlord Insurance Premiums.
Who are EBM RentCover's main competitors?
Broad incumbents on record are Suncorp Group, QBE Insurance Australia, AAMI, Allianz Australia and IAG (NRMA Insurance, CGU). Direct peers are CHU Underwriting Agencies and Terri Scheer Insurance. Emerging players are Bingle and Honey Insurance. Budget Direct is listed as a regional player.
Does EBM RentCover have an API?
No public API is recorded for EBM RentCover.
What industry is EBM RentCover in?
EBM RentCover's product category is Landlord Insurance. Its primary akta.pro industry code is FSAJACAD, Landlord / Dwelling Fire (DP) Insurance. Its NAICS code is 524126 and its SIC code is 6331.