As a renter, contents insurance is usually the main cover to consider, while your landlord should arrange buildings insurance. Compare quotes from several FCA-authorised providers, and give accurate details about your belongings, locks, security and occupancy so the policy is suitable. Check the excess, single-item limits, accidental-damage cover and exclusions, as the cheapest premium may provide less protection. You may also want tenants’ liability cover, which can help with certain accidental damage claims involving your rented property; check the policy wording carefully before buying.