When you compare home insurance, look beyond the headline price and check whether you need buildings cover, contents cover, or both. Compare the sums insured, excesses, exclusions and whether extras such as accidental damage, home emergency or legal expenses are included. Make sure valuable items are listed separately if the policy requires it, and answer questions about your home and belongings accurately, as missing information could affect a claim. Before buying, check the policy wording and confirm the provider is FCA-authorised.