When comparing landlord insurance on the Gold Coast, check whether the policy covers building damage, landlord contents, tenant-related damage, loss of rent and legal liability. Because coastal properties may face storm, flood or cyclone risks, read the definitions, exclusions and excesses carefully, particularly for flood-prone areas. If the property is in a strata complex, confirm what the body corporate policy covers and where your own responsibility begins. Premiums and claims outcomes depend on the property, insurer and policy terms, so compare the Product Disclosure Statement and consider advice from a licensed insurance professional.