Best Landlord Insurance?

I'm not sure who the insurer is (not at home at present) but it is whoever St George's bank use - I looked at moving to Westpac since I have 4 loans with them (and the rest with St George) but even though I asked for a good quote, it was way more than what I am currently paying. I did not read through the fine print to see if they offered more, though. The insurers I am with have always paid out ok.

I did have a funny one just recently. The tenant has accidently spilt hot fat on carpet and it has ruined a bit about 30 cm square. Insurer will not pay out even though I have contents insurance, as they only pay out for malicious tenant damage. They say the tenant has to pay. Fortunately I found out the tenant has insurance. We have to replace the whole carpet though as its in a very exposed spot.