A very low premium may reflect limited cover, so check whether buildings, landlords’ contents, loss of rent, legal expenses and liability are included or available as optional extras. Be wary of policies with high excesses, strict unoccupied-property limits, unclear tenant requirements or exclusions for accidental damage and malicious damage. Check the sums insured carefully, as underestimating rebuilding or contents values could leave you short if you claim. Confirm the provider is FCA-authorised and read the policy wording and demands-and-needs statement; if anything is unclear, ask the insurer or a regulated insurance broker before buying.