When comparing landlord insurance in 2026, check whether the policy covers building damage, landlord contents, loss of rent, tenant-related damage and legal liability. Pay close attention to exclusions, excesses, claim limits and conditions such as inspections, written leases and property maintenance. Some policies may treat malicious damage, rent default and short-term letting differently, so compare the wording rather than relying only on the premium. The insurer ultimately decides cover and claims based on the policy and your circumstances, so consider getting advice from a licensed insurance professional.