Why do tenants need insurance?
As a tenant you will not normally need to take out buildings insurance as this is your landlord's responsibility. However, your landlord's policy will only protect the structure of the building itself, along with its permanent fixtures and fittings.
Tenants' insurance is essential if you want to protect your furnishings and other personal possessions - such as jewellery, bicycles, handheld gadgets, sports equipment, electrical appliances, laptops and computer equipment, games consoles, musical instruments, CDs, DVDs, furniture, clothing and frozen food - against insured risks such as flood, fire and theft.
Tenants' insurance guide
Tenants’ insurance is available for rented properties including self-contained and shared flats and houses. It is usually not suitable for full time students; if you are a full-time student please go to the student insurance page.
To help you decide whether it's right for you, we've put together a tenants' insurance guide that explains what it is, why it's important and how you can find the right cover for your needs.
