When comparing landlord insurance quotes, check whether you need buildings, contents, property owners’ liability and cover for periods when the property is unoccupied. If you want rent guarantee or legal expenses cover, see whether these are included or available as optional extras, and read the exclusions carefully. Tell the insurer about the property’s construction, tenants, security features and any planned refurbishment, as incomplete information could affect a claim. Check your mortgage lender’s insurance requirements and compare policies on cover, excesses and limits, not price alone. CoverWise is independent; an FCA-authorised insurer or regulated adviser can explain suitable options for your circumstances.