Check that the policy covers the building, landlord-owned contents, legal liability and risks such as fire, storm, flood or malicious damage. Consider whether you need cover for loss of rent, rent default, tenant damage, fixtures and temporary accommodation, and review the limits and excesses for each section. Confirm any requirements for smoke alarms, locks, property inspections and written tenancy agreements, as failing to meet them may affect a claim. Keep condition reports, lease documents, repair records and rent statements, and ask the insurer about exclusions and optional cover before choosing a policy.