A landlord insurance quote may include buildings cover, landlord contents, property owners’ liability and optional extras such as rent guarantee or legal expenses cover. The price can depend on the property’s location, rebuild value, number of properties, tenant type, claims history, security measures, periods of unoccupancy and the excess you choose. Specialist risks, such as furnished lets, flats above commercial premises or properties undergoing renovation, may also affect the premium. Compare FCA-authorised providers carefully and check the policy limits, exclusions and excesses rather than choosing on price alone.