When comparing home insurance in Edinburgh, check that the buildings sum insured reflects the property's rebuild cost rather than its market value, especially for listed or period homes. If you live in a tenement or flat, confirm whether communal areas and shared structures are covered by a block policy arranged by the factor or freeholder, so you do not duplicate cover. Review exclusions for flooding, escape of water, subsidence and unoccupied periods, and make sure your contents limits match your belongings. Compare policy wordings as well as prices, and verify providers are FCA-authorised before buying.