Ask whether the policy covers the building, landlord-owned contents, property owners’ liability, loss of rent and alternative accommodation where relevant. Check what excesses apply, whether you need extra cover for legal expenses, accidental damage or unoccupied periods, and what tenant or property conditions must be met. Confirm how claims are handled and whether the insurer covers your type of property and tenancy arrangement, rather than choosing on price alone. Compare FCA-authorised providers and read the policy wording, exclusions and conditions before deciding.