Be cautious if a policy seems unusually cheap but has a high excess, low claim limits or exclusions for common risks such as escape of water, accidental damage or storm damage. Check that the buildings sum insured reflects the likely cost of rebuilding your home, not its market value, and that valuable contents are listed individually where required. Read the conditions carefully for unoccupied-home, security and business-use requirements, as failing to meet them could affect a claim. Buy through an FCA-authorised provider or broker, check the firm on the Financial Services Register, and ask a regulated insurance adviser if anything is unclear.