Compare policies on the cover provided, not just the headline price, including buildings, contents, accidental damage and alternative accommodation. Check the excess, exclusions, claim limits and whether valuables or home-office equipment need to be listed separately. Give accurate information about your property and security, as missing or incorrect details could affect a claim. Before buying, check that the insurer or broker is FCA-authorised and read the policy documents carefully; the cheapest option may not offer the protection you need.