Landlord insurance in 2026 may cover the rental property, landlord-owned contents, legal liability and some loss of rent, depending on the policy. Optional benefits can include tenant-related damage, rent default, theft and legal expenses, but exclusions, excesses and claim limits vary between insurers. Standard home insurance may not cover a property that is rented to tenants, so check the policy’s Product Disclosure Statement before relying on it. Compare cover carefully and ask a licensed insurance professional or the insurer how the policy applies to your property and tenancy arrangements.