Ask whether the policy covers buildings, contents, or both, and how the insurer calculates the sums insured. Check the excesses, key exclusions, and whether accidental damage, home emergencies, alternative accommodation, garden items, and valuable possessions are included or optional. Tell the insurer about relevant circumstances, such as letting the property, working from home, renovations, or leaving it unoccupied, as these may affect cover. Read the policy wording and claims process carefully, and check that the provider is FCA-authorised before you buy.