Tenants' contents insurance


Protect your personal belongings with tenants' contents insurance

  • Protect possessions against theft and damage - quotes from 78 insurance brands
  • Quotes available for rented properties including self-contained flats, shared flats and houses
  • Use Defaqto product information to help find the right policy


Our trusted home insurance brands

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  • Saga
  • Bank of Scotland
  • AXA
  • What happens to my tenant deposit?

    Tenancy deposit schemes (TDPs) are a legal requirement and you should have been given the relevant details and paperwork no later than four weeks after moving into your new place. If your deposit has not been put into a scheme, then your landlord or agency is breaking the law
    Rachel England, journalist
  • Who's responsible for safety?

    The landlord is responsible for the gas and electrical safety of appliances provided under the tenancy, as well as the fire safety of furniture and furnishings. It's absolutely vital that an inventory is carried out thoroughly at the start of the tenancy, to ensure ownership of such items is legally documented
    Rachel England, journalist
  • Who's responsible for repairs?

    The landlord is responsible for repairs to the structure and exterior of the property, heating and hot water systems and the electrics of the property. Breakdowns and damage to these items must be addressed in a timely fashion
    Rachel England, journalist
  • Who's responsible for repairs?

    There is the expectation of reasonable wear and tear on a property, which includes things like paint fading over time, or carpets in high-traffic areas becoming worn. However, if you smash a window with a frisbee or explode a microwave with tin foil, that's your responsibility
    Rachel England, journalist
  • Who's responsible for security?

    Landlords have a legal obligation to ensure that the property is secure. If burglars enter a property through a shoddy window that has previously been pointed out to the landlord, for example, then there may be a case for negligence
    Rachel England, journalist
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How can we help you with tenants' insurance today?

You could save money by comparing tenants' quotes from 78 insurance brands in one quick search, with cover available for goods in rented properties including houses, self-contained flats and shared flats.

Although renters are likely to need some specific consideration, tenants' insurance is essentially the same product as home contents insurance and you search for it - and buy it - in much the same way.

In our quotes process you'll see a section asking what sort of insurance cover you require - just tick 'contents only', rather than buildings only, or buildings and contents cover.

Our easy-to-use forms will ask for basic information about you, the property you're seeking contents cover for, and details of any other occupants of the residence.

You'll need to answer questions about the sort of locks on external entry points, the age of the building and its distance from water.

Did you know...?

  • Landlords must give tenants 24 hours notice before inspecting their property
  • All tenant deposits must be put into a tenancy deposit scheme (TDP)

When dealing with the contents itself you'll need to estimate their total value, to choose your voluntary excess level, to decide whether accidental damage cover is required and if you want cover away from home.

You'll be asked whether you have any individual items worth over £1,000 - if so, these will need to be listed and described individually.

Away-from-home insurance can also be arranged selectively on bicycles and/or laptops.

You can find out more about the areas you need to consider in our tenants' insurance guides, where you'll also get the answers to frequently asked questions.

Learn who tenants' insurance is suitable for and how to estimate the value of your contents, with more information on flood risk, excesses, exclusions, cover away from home and bicycle insurance.

There are also money-saving tips on tenants' cover to be read, plus a guide on how to be a tenant and to understanding tenancy deposit protection schemes (TDP).