When comparing landlord insurance in Darwin, check whether the policy covers cyclone, storm damage, flood or storm surge, as these risks may have specific definitions, exclusions or excesses. Also look at cover for loss of rent, tenant damage, building repairs, landlord contents and personal liability. If the property is in a strata complex, confirm what the body corporate policy covers and where your own policy begins. Read the Product Disclosure Statement carefully and ask an insurer or licensed insurance broker how the policy would apply to your property, as premiums, terms and claims decisions depend on your circumstances.