Compare the level of cover, exclusions and excesses as well as the price, checking that the buildings sum insured reflects your property's rebuild cost and the contents limit reflects what you own. Consider whether you need extras such as accidental damage, personal possessions away from home, alternative accommodation or home emergency cover. Read the policy wording and claims process carefully, and check that the provider is authorised by the Financial Conduct Authority. An independent comparison site can help you review options, but contact an FCA-authorised provider if you need clarification about suitable cover.