Here are some key things you may wish to think about if you are interested in let property insurance online:

• don’t try and work around it with owner-occupier home buildings and contents insurance cover.  Such cover may be unlikely to offer protection to you in circumstances where you are obtaining any form of rental income from your property.  That may even apply if you are letting out a single room of your own property;

• try not to forget unoccupied property insurance.  If your property stands unoccupied (note unoccupied not empty) for more than 30 consecutive days you may find that standard let property insurance online is no longer valid;

• think carefully about buildings only cover.  If you have a property you are letting unfurnished, you may decide to take out only landlords buildings insurance.  That may be fine but remember to check that things you consider to be fittings are also considered to be fittings by your buy to let buildings insurance provider;

• look out for trace and access cover.  If a tradesman causes significant but unavoidable damage to your property while trying to find the origin of a problem in order to fix it, some policies may not cover the restoration costs unless you have trace and access protection;

• think about legal costs.  If you are sued under the provisions of third party liability then you may face substantial legal costs even in situations where you subsequently win your case.  Some policies may offer a contribution towards such costs in addition to third party liability cover;

• don’t make assumptions about subsidence cover.  Although at one time cover for this serious risk may have been standard in landlords insurance policies, it may no longer be so in all cases;

• take into account your loss of rental income.  In circumstances where your property can no longer be safely let out due to damage from an insured risk and subsequent repairs, you may find that some let property insurance online may make a contribution towards your loss of rental income – though that benefit may be far from universal in all such policies.