Cheap landlord insurance may offer less cover, so read the policy wording rather than comparing premiums alone. Check buildings, contents and property owners’ liability cover, along with exclusions for unoccupied periods, certain tenants, deliberate damage, wear and tear, and missed safety or maintenance requirements. Note the excesses, claim limits and conditions, as these can affect what you receive after a claim. Compare several FCA-authorised providers and ask them to explain any wording you do not understand before buying.