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If you have buildings and contents insurance similar to what you'd have for your PPOR, then it would coverlisted events such as storm, flood, fire, escape of water, theft etc. Landlords insurance (depending on the type of policy) can be just rent default, malicious damage by tenant etc or can...

I was more talking about the unit insurance. $325 is what I pay to insure my unit through EBM. It covers the rent loss component as well as other listed events such as escape of water, storm, fire, theft etc. You do not need seperate buildings insurance for your unit as the strata will have...

For the unit, it will cost you $325 odd with up to $50k coverage for built ins, air conds, fittings etc. The strata insurer will only cover from the walls out so anything else is up to you.