Compare the cover first, including buildings, contents, accidental damage, personal possessions and any home emergency or legal expenses options you need. Check exclusions, claim limits, excesses, fees and the claims process rather than choosing on price alone, and make sure the buildings sum insured reflects the likely rebuild cost, not the property's market value. Look at independent customer feedback and how the provider handles complaints. Before buying, check that the insurer is authorised by the Financial Conduct Authority (FCA), and read the policy documents carefully so you understand what is and is not covered.