Landlord insurance quotes for a student let should reflect how the property is occupied, including whether it is an HMO, the number of tenants and any licensing requirements. Check whether buildings, landlord-owned contents, accidental damage, property owners’ liability and loss of rent are included, and whether cover applies during holidays or other unoccupied periods. Rent guarantee and legal expenses may be available separately, but eligibility and exclusions vary between policies. Give each FCA-authorised provider accurate details and compare the policy wording, excesses and limits rather than choosing on price alone.