Compare policies on what they cover, not just the headline price, as cheaper cover may exclude risks such as loss of rent, legal expenses, accidental damage or periods when the property is unoccupied. Check whether buildings, landlord contents and property owners’ liability are included, and tell the provider about the property type, tenant arrangements and any void periods. Your mortgage lender may also require particular cover or minimum limits. Obtain quotes from FCA-authorised providers and read the policy wording and exclusions before choosing.