Legally, none. In practice, buildings insurance with property owners’ liability, because almost every buy to let lender makes it a condition of the loan.
Letting a property on a standard residential home insurance policy usually invalidates it. If you have moved out and let the place without telling your insurer, that is worth sorting today rather than at the point of a claim.
Rent guarantee and legal expenses cover are optional and sold separately. Whether they are worth it depends on your circumstances, which is a decision for you and a broker rather than an article.
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