If you already have landlords insurance cover, the last thing that may strike you as being a good idea is the concept of another landlords insurance comparison.

Yet there may be a number of good reasons for doing one:

• prior to purchasing your existing buy to let insurance, you may have done significant research to prove to yourself that you had a suitable and cost-effective solution;

• of course, it may continue to be so, however, the reality of life is that the let property insurance marketplace changes quickly and there may be options available today that simply were not on the table at the time you selected your current insurance;

• perhaps the most obvious example is price – although it may not be advisable to make cost your sole objective when selecting buy to let house insurance, it may be difficult to ignore options that may appear to be more cost-attractive currently and they may justify further investigation;

• the cover for landlords provided by policies may also change over time and you may find that today there are policies offering cover that was simply unavailable when you were looking some time ago – examples might included things such as subsidence cover as standard, malicious damage cover and the loss of rental income protection etc;

• the conditions of policies may also change and this may be to your benefit in some situations – for example, your existing policy may have strict stipulations about the types of tenants you may let to, whereas other landlords policies now available may cover all types of tenants including those that might be excluded by your current policy;

• if you do decide to get to grips with a landlords insurance comparison, it is advisable to allocate sufficient time to the exercise so as to do it justice – simply skimming a few advertisements superficially and concentrating largely on their advertised ticket price, may not provide you with the information you need to make an informed decision;

• so, a periodic landlords insurance comparison may prove to be in your best interest – even if it serves no other purpose than to reaffirm that your existing cover remains perfectly fit for purpose.