Compare cheap tenants’ insurance and protect the belongings in your rented home
Tenants insurance is contents insurance for renters.
Most policies also include tenant’s liability cover for accidental damage to your landlord’s items. That could save you from losing your deposit because of a mishap like spilling something on the carpet, or breaking a window.
Tenants insurance covers your personal property that’s not fixed to your home. Anything from your clothes and books, up to furniture and free-standing kitchen appliances if the place you’re renting is unfurnished.
Any permanent part of the property, like walls, the roof and windows aren’t your responsibility to insure as a tenant. Your landlord will need their own landlord’s buildings insurance for that.
What’s covered by your tenants insurance will vary from one policy to another, but most policies will include:
Read your policy documents to see exactly what you’re covered for.
You might also be able to pay to add some optional extras to your policy:
Each policy will have a set of exclusions. Some things that won’t be covered by most policies are:
You don’t legally need tenants insurance – it’s your choice whether you want to protect your own possessions or not. But you need to think about whether you could afford to replace your belongings after something like a burglary or fire.
You won’t need to insure the building, though – that’s your landlord’s responsibility. If you’re renting a furnished property, it’s your landlord’s responsibility to insure those as well.
But your landlord’s contents insurance will only cover the items in their property that they own. It won’t cover your possessions that you’ve brought into the property.
Some properties are at higher risk than others. You might especially want to consider tenants insurance if:
We found that people paid £77 a year on average for contents-only cover.*
How much you'll actually pay will depend on your own circumstances. Compare quotes to find out how much your own insurance will cost.
Rent’s expensive, but there are a few things that you could do to cut insurance costs for your home:
Monthly payments have interest added so work out more expensive in the long run.
If you let your tenants insurance auto-renew, you might not be getting the best deal.
Use our contents calculator so you don’t end up under or over-insured and don’t pay for optional extras that you won’t use.
Ask your landlord if they would upgrade locks and alarms – it’ll protect their investment, as well as your possessions.
Finding quotes only takes a few minutes. We’ll need a few details about you and your property first, so be sure have the following ready.
1. Personal information
Your name, address and date of birth
2. Rented property details
The type of property you’re renting and the number of rooms
3. Knowledge of your surroundings and home security
Details of your locks and alarms, as well as whether you live near water
4. Claims history
Details of any past claims, convictions or declarations
5. Cover details
How much you want to insure your contents for. We have a contents calculator that can help you with this.
You need to look at all the rooms in your house or flat and add everything up. To make things easier, try our contents calculator.
Tenants liability insurance covers the occupier for accidental damage to third-party items in addition to their own, so you won’t need to worry if you spill a glass of red wine on your landlord’s suede sofa.
Student living arrangements can be somewhat unique, but if you're a student living in rented accommodation away from home you may be able to find the cover you need by comparing contents insurance.
Bear in mind that the number of insurers who will quote for you may be more limited than for non-students, particularly if you're living in shared accommodation.
If you are sharing and/or living in a hall of residence, you may need to think about a dedicated student insurance policy.
Yes, you can. Be aware that your policy will have conditions, like being able to lock the door to your room and not leaving your belongings in communal areas.
Tenants insurance is transferable, but you’d need to notify your insurer of any change of address.
They made need to recalculate your level of risk based on your new location.
Contents insurance won’t cover the payment of rent if you’re unable to pay. If you’re concerned about payment due to loss of income, you could cover loss of earnings with income protection insurance.
If you’re a landlord, you may be able to cover loss of rent with rent guarantee insurance.