Varying your excess can significantly reduce your premium. (The default PDPLA Excess is £1,000. If you may feel this is too high if you only have one or two properties.)

When comparing providers check you are comparing like for like- 

Many companies claiming to offer cheap insurance will do so by limiting cover and increasing excesses.

• Level of excess, (A £1000 excess may save you 10%)
• Accidental damage cover
• Cover for Malicious Damage caused by the tenant or guest. Check any excess. 
• Cover for costs of re-housing a tenant 
• Loss of rent or cost of alternative accommodation following damage to a property. (Boswell’s usually up to 12 months and up to 30% of buildings cover)
• Cover for students, housing benefit, asylum seekers if relevant
• Property Owners’ Liability (Boswell’s usually up to £5,000,000)
• Employers’ Liability (Boswell’s usually up to £10,000,000)
• Duration of cover between lets for unoccupied properties. (Boswell’s usually 90 days)
• Limited contents such as carpets, curtains and white goods may be covered under ‘buildings’ only policy.
• Trace and access of leaks (Boswell’s usually £50,000)
• Free advice on rebuilding values using a facility we have with BCIS (part of RICS).
• Clearance of drains as a result of damage by an insured contingency.
• Replacement of locks to external doors after the theft of keys from property. 
• Broker handles claims themselves.  
• Broker can settle smaller claims themselves.