Landlord insurance may cover risks such as damage to the rental property, loss or damage to landlord-owned contents, public liability and, with some policies, unpaid rent or temporary loss of rental income. Cover varies between insurers and may depend on events such as tenant damage, natural disasters or a tenant defaulting on rent. Common exclusions can include wear and tear, poor maintenance and claims that do not meet the policy conditions. Check the product disclosure statement and speak with the insurer about whether the cover suits your property and tenancy.