What makes a good cover?
The difference between a comprehensive house insurance policy and a basic cover will be in the extensions.
Policies have additional extensions on top of the core cover, and the limits on these change between insurers. Common limits are on Alternative Accommodation, Hidden Gradual Damage, limits for Keys & Locks, Retaining Walls and Owner’s Liability.
Conditions between policies also vary. For example there might be different conditions that apply to unoccupied houses, while sum insured policies are different to square metre replacement policies.
Special excesses are common – like zero excess for window breakage. You often add these extensions on by paying more premium. You should check if add-ons are included in your premium when comparing price and cover.