Trying to identify the best let property insurance may require the taking into consideration of a number of diverse factors:

• what may be the best let property insurance for somebody else may not be best for you and the only way to evaluate an option is to consider it in detail against your own requirements – that presumes that you have thought through your own requirements in advance;

• not only are the requirements of any two individual landlords unlikely to be identical, but your own requirements may change over time – for example, you may currently the letting regularly to DSS or student tenants whereas in the past you may not have been (meaning that let house insurance policies, which exclude these types of tenants, may not be suitable for you any longer);

• there may not be any natural relationship between the best let property insurance and the ticket price of an individual policy – a policy that is a good match for your requirements may prove to be one of the lower cost options but remember that if you need to make a claim, the historic cost of your policy will no longer be of interest to you and your full focus will be on the cover provided by the policy;

• some elements of landlords cover may be rather less common, as standard, yet they may prove to be very important to you, so policies which offer them may be particularly attractive – examples might include trace and access cover (the costs you may incur if a tradesperson needs to damage your property in order to find the source of the problem) or a loss of rental income protection (where this arises as a result of an insured risk);

• if you are successfully sued for damages arising from third party public liability, a court may award truly staggering costs against you – that is why it may be advisable to consider the best let property cover insurance to include, amongst other things, significant cover against this type of risk;

• keep in mind also that subsidence cover, once something that it may have been relatively safe to assume would be included as standard in most policies, now may no longer be automatically covered – once again, given the size of the potential financial risks in this area, it may be worthwhile looking for a policy that does provide this cover;

• finding the best let property insurance for you may take a little time and it may be advisable to consider a number of options before starting to feel confident that you have identified a particularly suitable one.