When comparing landlord insurance in Darwin, check whether the policy covers cyclone, storm surge, flood and other severe-weather risks relevant to the Northern Territory. It may also cover loss of rent, malicious or accidental tenant damage, building repairs and landlord liability, but limits, waiting periods and exclusions vary between insurers. Confirm whether flood is included or optional, and whether the property’s construction, location or vacancy affects cover. Compare the policy wording and excesses, then speak with the insurer or a licensed insurance adviser about your property and circumstances.