Having unrestricted access to cheap landlord insurance quotes these days, is relatively easy.

The internet has made a wealth of information available at our fingertips. Knowing how to interpret it though may be another matter entirely.

For a start, looking at cheap landlord insurance quotes solely from a price point of view, may not give you the level of landlords cover that you want or need.

What may be appropriate and cheap landlord insurance for another landlord, may not be suitable for you if it doesn’t provide you with certain aspects of cover like:

• subsidence protection included as standard;
• financial protection against malicious damage;
• loss of rental income compensation, if your tenants have to move out while damage from an insured event (like fire or flooding) is being repaired;
• trace and access cover, for those costs relating to destructive work a tradesperson may have to do to find the source of a problem.

Landlord insurance quotes may also let you see just how favourably some other aspects of cover compare. You may, for instance, be interested in:

• levels of landlords public liability cover – some policies may be more generous with this than others and court awards for damages can be staggeringly high;
• legal fee provision – this may vary from policy to policy and may not provide cover for tenant eviction proceedings or rent arrears/recoveries;
• opportunities for reducing your landlord cover insurance premium by accepting a higher voluntary excess on your buy to let insurance.

Your landlord cover quotes may also provide you with the information you may need to help you ensure that you are adequately covered at all times.

For example:

• not all landlord cover polices may cover you if your tenants are students or DSS etc;
• your policy may not cover your property if it is empty for a period of 30 days or more. In this situation, you may need to supplement your landlord cover with unoccupied property insurance (also known as vacant property cover).

Once you understand what to look for, cheap landlord insurance quotes may help you find the policy that makes sense for you