Best to shop around for cover, cheapest aint always the worst and dearest aint always the best, Liability and legal fees from a scorched floor to a full on demolish of a property and (hope this never happens to any of us) a death.
agree with Softus, always going for the cheapest is not the wisest of moves, particularly with insurance.
going for the least expensive 'premium' products is probably the most sensible. if i can find pro v1 golf balls at the right money or stella at the right price, then so be it.