There are legal protections against terms within the landlords' insurance policy which are deemed to be too onerous.
The courts are always looking for some level of fairness in their rulings or decisions.
They will therefore remove certain clauses which are deemed to be unworkable.
It is imperative that all the parties concerned get legal advice so that there are no delays in the execution of the various contracts that relate to the policy.
You also have to come up with alternatives that make sense from all the perspectives.
It is in this respect that the insurance policy can continue to work well.

1. Use a broker: The brokers are meant to negotiate the terms of the landlords' insurance policy.
   They will look at specific clauses which are deemed to be onerous.
   They will also give you advice on the rules that need to be followed.
   Therefore the use of a broker should be mandatory unless you can find a reason not to do so.
   They normally charge a fee but that is paid by the provider.
   You can negotiate the terms according to the needs of the landlord and the tenant.
   It is important to note that some of these brokers will deliberately encourage you to go with policies that provide them with the highest commission.
   That may not necessarily be in your best interests.
   You need to make decisions that are coherent at the end of the day.
   
2. Supervise the policy: The landlords' insurance policy has to be supervised from time to time.
   You need to ensure that the clauses are still relevant and that you are getting the coverage that you paid for.
   If there is any doubt about the position then you need to take matters up with the relevant providers.
   There is always a customer care team that might provide you with information that relates to the insurance policy.
   Make sure that you check up any terms that are onerous.
   
3. Do not waste your options: The best way to make a good deal on the landlords' insurance policy is to shop around.
   You should not allow yourself to be trapped into agreements that are not conducive for the work that you are doing.
   It is imperative that you follow the basic rules according to the settings within the insurance industry.
   That will give you the leeway that is required to keep increasing your stake in the policy.