What should I consider when choosing an insurance policy?
What you need to look at is the value of the cover. A lot of the most common policies apply depreciation, yearly depreciation, on things like carpets and paint work. Ours is actually a new for old policy, which is super important. So as far as any damage, re-painting, re-carpeting, ours is new for old rather than that yearly depreciation that offers little value in case of damage.