When comparing landlord insurance on the Central Coast, check whether the policy covers building damage, loss of rent, tenant-related damage and public liability. Coastal weather risks, including storms and flooding, may make it especially important to understand exclusions, excesses and how flood is defined. If the property is furnished, strata-titled or occasionally used as a holiday rental, confirm that the policy covers its actual use. Compare the Product Disclosure Statement and ask insurers for quotes based on your property and circumstances.