Landlord insurance is designed for rented properties and may cover buildings, fixtures, landlord liability and certain risks that standard home insurance excludes. Depending on your circumstances, you might also consider contents cover for furnished properties, rent guarantee insurance or cover for legal expenses. Check whether the policy has conditions about tenant checks, property use, inspections and periods when the property is unoccupied, and tell the insurer about any changes. Mortgage lenders or your tenancy arrangements may set additional requirements, so compare policies from FCA-authorised providers and read the exclusions carefully.