Becoming a Landlord tomorrow (help :) )

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I complete on a flat tomorrow that will purely be used to rent. It is part of a purpose built block of flat, not that far from my house so don't need buildings insurance. For ease, I will go with a letting agent to start with but I have a question about contents insurance.

It is a pretty small flat so Endsleigh quote £37 for the year. Other much higher quotes seem to have public liability? Do I need this?

Is there anything else I need to look out for?

Thanks for any advice.

Steve

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I thought that I needed contents / landlord insurance for damage that happens inside the flat like fire or leaking or similar?

The buildings cover is under a general policy that the freeholder pays (and we pay £60/month for that and the upkeep of the grounds).

I am also going to take the emergency cover which is another £60/year.

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Perhaps that is where I'm confused. It is Landlord insurance but I had to add a value for contents (£5K which is overkill).

Steve