Compare cover for buildings, landlord-owned contents, property owners’ liability and loss of rent following an insured event. Tell the insurer if the Belfast property is an HMO, furnished, undergoing refurbishment or likely to be unoccupied, as these details can affect terms and exclusions. Check whether accidental damage, malicious damage, legal expenses and alternative accommodation are included, rather than assuming they are standard. Buildings insurance may also be required by your mortgage lender, so compare policies from FCA-authorised providers and read the conditions carefully.