When comparing landlord insurance in Perth, check whether the policy covers building damage, loss of rent, legal liability, tenant-related damage and malicious damage. Read the Product Disclosure Statement carefully for exclusions, including storm surge, flood, gradual damage, mould, pets and periods when the property is unoccupied. If the property is in a strata scheme, confirm what the strata policy covers and where your own responsibilities begin. Premiums and claims outcomes depend on the property, cover selected and insurer, so compare quotes and speak with the insurer or a licensed insurance adviser before choosing.