This feels somewhat like telling people to suck eggs, but we also see the same mistake made over and over, so I'm going to say it: Choose your insurer based on what they cover, and their reputation for claims handling, rather than price. There is no point buying the cheapest policy if it doesn't actually cover what you need it to cover. The problem is that at the time you're buying a policy, price is highly visible, whereas how they'll respond to a claim is much less visible, even though it's the only thing that matters when buying a policy. This is true for any policy, but particularly true for landlord's insurance. Car and home insurance policies (with the possible exception of flood coverage) are largely the same, and only differ in ways that most consumers will never experience, or in ways that people are aware of (e.g. agreed vs market value, etc.). Landlord's insurance, however, differs markedly between policies, and we frequently see forum users who find out that the policy they had is essentially worthless when they find themselves in a position of needing to make a claim. With landlord's insurance, you really need to find out what your policy covers, and what their reputation for claims handling is, before you choose a policy. Thus endeth today's sermon.