Landlord's Insurance

[Pmc365]

Hi,
I was just wondering if there was any drawback to obtaining buildings only cover as regards house insurance for a rented property. The insurance company I obtained a quote offered a big reduction in this type of cover. They offer €3m cover for landlords public liability under buildings only cover.
Buildings insurance and public liability cover is my primary concern. My contents are of neglible value.
Thanks for any information..

 

[cremeegg]

As long as the public liability is covered I would go for it. Obviously if there is a fire you are down the rental income and will need to buy cooker, fridge etc again.