hey everyone, obviously every policy is different however as a general rule most things are excluded What are ways for people to (legally) minimising your personal loss on claims, my typical claim (Yeah!!! its become typical) is rent arrears, leave the place in a mess, mostly heaps of rubbish and sometimes malicious damage such as holes in teh walls , and sometimes animal feces along with unpaid water bills.... I hate it how cleaning is never included in the coverage, thats what most tenants dont do and wtf is the point of insurnace. espeically if the tenant leaves a backyard full of rubbish, which is more than a little mess. ive opened up a ombudsman dispute once with a n insurnace company who refused to cover a backyard full of absolutely trash, my argument was that, it was malicious,, dont get me started on water bills other options I have been recommended - use the bond towards stuff thats not covered first, eg water, cleaning etc. - get quotes for expensive tradies, and after the payout use cheaper tradies or DIY are there any other ways people minimise the personal loss ?