This is Why Landlords Quitting Victoria, page-146

UT yr trippin

l think you missed the part where I said I support negative gearing

Insurance is a last resort but you would be retarded if you were a landlord without it.. you pay the premium and if things go pear shaped and you are stupid or incompetent enough to have not screened your tenants appropriately, thankfully insurance companies will assist you to recover some cents in the dollar

I know I took out the policy and ran it while letting my property

thing is my tenants loved me and to be honest I think I never lost one weeks rent.. in seven or eight years

not a bad strike rate hey

Your tenants probably thought you were a tosser and 'forgot' to pay

don't know but yeh if you're looking for sympathy or a hug regarding your difficulties with managing people you may not find much here