When comparing landlord insurance quotes, look beyond the premium and check cover for building damage, loss of rent, tenant-related damage, legal liability and contents such as appliances or furniture. Review exclusions, excesses, limits and conditions, including requirements for tenant screening, inspections and proof of rental income. Make sure the sum insured reflects current rebuilding costs rather than the property’s market value. Quotes can vary based on the property, location, construction, tenancy and chosen cover, so confirm the details with each insurer or a licensed insurance broker before deciding.