When comparing landlord insurance in Bristol, check whether the policy covers the building, landlords’ contents, loss of rent and property owners’ liability. Tell the insurer if the property is a flat, HMO, furnished rental or used for short-term lets, as these circumstances may require different cover or conditions. You may also want to ask about escape of water, malicious damage, legal expenses and alternative accommodation, particularly if the property is in an area with relevant flood or subsidence risks. Compare exclusions, excesses and claims procedures, and check that any provider is authorised by the FCA.