When comparing landlord insurance in Newcastle, check whether the policy covers building damage, landlord contents, loss of rent, tenant-related damage and legal liability. Review exclusions and excesses carefully, particularly for flood, storm, coastal weather, pets, malicious damage and periods when the property is vacant. If the property is in a strata scheme, confirm what the strata policy covers and arrange appropriate landlord cover for anything it does not. Insurers assess applications, risks and claims individually, so compare the Product Disclosure Statements and consider speaking with a licensed insurance broker before choosing a policy.