Tenants insurance

Compare cheap tenants insurance and protect the belongings in your rented home.

What is contents insurance for tenants?

Home contents insurance for tenants is very similar to regular contents insurance for a homeowner, covering your personal possessions within the home.

It provides protection against theft of your belongings, as well as any damage to them caused by fire, water damage, subsidence and in some cases accidental damage.

Do I need tenants insurance?

When renting a property from a landlord, you need tenants insurance so your posessions are fully covered - whatever insurance the landlord has won’t cover your belongings for damage, loss or theft.

The letting agency or landlord probably won’t ask you to buy a policy before you move in because it’s not a legal requirement, but it’s a good idea to have one.

A tenants insurance policy will support you if your possessions need repairs or to be replaced. Likewise, some policies include cover if you accidentally damage the landlord’s furnishings too.

To find the right policy for you, get to grips with what’s covered and what isn’t. Typically, gadgets, clothes and appliances are covered in a basic policy, however there might be some restrictions.

There are typically two levels of cover available:

Basic level of accidental cover - covers things like damage to your tv, games console or PC

Full accidental damage cover - also covers you for accidents like spilling wine or paint

What does tenants insurance cover?

Each policy will differ when it comes to what they’ll cover as standard, but usually it will include items like furniture, TVs, soft furnishings, gadgets, appliances, bicycles, clothes and jewellery.

Main things to look out for:


Fires in houses and flats account for a significant number of the insurance claims made every year.

Sensible prevention measures will help protect your possessions and could lower your insurance premiums.

Find out more >


If you live in a flood risk area, your tenants insurance could be more expensive than for your landlocked friends.

However, it’s still possible to find affordable cover for your contents.

Find out more >


Crime in your neighbourhood isn’t just a safety concern, it also affects the cost of your insurance. You can help lower your premium by making your rental home as secure as possible.

Keep the risk of burglary down by identifying your home’s security weaknesses and addressing them.

Find out more >

Accidental damage

<p>Accidental damage cover is for loss or damage of an accidental nature, such as knocking a tin of paint over a carpet, smashing a valuable vase, or escape of water from a leaking, hidden pipe.  </p>
<p>This can be vital to a tenants insurance claim, but it’s not included on all policies as standard.</p>
Find out more >

Keep your belongings safe for less when you compare tenants insurance quotes

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What isn’t covered?

Usual exclusions for tenants contents insurance include:

  • Normal wear and tear
  • Damage for unoccupied property - you need a specialised unoccupied property insurance policy for this
  • Damaged caused by unforced entry due to lack of security
  • Theft of high-value items that are over the policy limit
  • Theft of home business belongings - you’ll need a specialised home-based business contents policy
  • If theft or damage happened away from home

Does tenants contents insurance cover landlords’ fixtures and fittings?

Any decent policy will include tenants liability cover but it’s always worth checking.

Tenants liability insurance covers the occupier for accidental damage to third-party items in addition to their own, so you won’t need to tear your hair out if you spill a glass of red on your landlord’s suede sofa.

However, it’s worth remembering that not all policies include the same features, so be sure to read the policy docs carefully before signing on the dotted line.

Do I need buildings insurance for my rental?

No, that’s your landlord’s responsibility. They must make sure that they have cover for the building as well as the fittings and fixtures. If they have furnished the property, they should get contents insurance as well.

How to get tenants’ contents insurance?

  1. Your personal information

    Your name, address and date of birth

  2. Your rented property

    What type of property are you renting and how many rooms are there?

  3. Surroundings and security

    Give details of your locks and alarms, as well as whether you live near water

  4. Claims history

    Tell us a bit about you and any past claims, convictions or declarations

  5. Cover details

    Take your time on this part so you get the right cover details

How to get cheaper tenants insurance?

We’ve got tips to help keep your premiums down:

  1. Pay annually

    Paying monthly can be convenient, but it’s almost always cheaper to pay annually if you can

  2. Increase your voluntary excess

    You may get a lower premium but only choose what you can afford

  3. Calculate the value of your contents

    Make sure you pay for the right level of cover

  4. Only pay for what you need

    You’ll be offered a variety of extras, so pay for what you need and nothing more

  5. Fit a smoke alarm

    It’s a valuable safety precaution and could benefit you when it comes to your insurance

  6. Join Neighbourhood Watch

    You may qualify for a discount on your tenant’s insurance

  7. Improve your home security

    Most insurance companies will factor in security on your property when calculating your premium

  8. Shop around

    Our top tip for getting the insurance cover you need at the right price is to shop around and compare prices

Frequently asked questions

  • Is tenants insurance mandatory?

    Tenants insurance is not a legal requirement, but it can be a good idea if you want to make sure your personal possessions are covered.

  • Can I get tenants insurance in shared accommodation?

    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.

  • Can I get tenants insurance in shared accommodation?

    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.

  • Is there an excess to pay when claiming?

    You can choose to pay a voluntary excess on your tenants insurance. This will reduce your premiums but make sure you’d be able to afford it if you need to make a claim.

  • Should students take out renters' contents insurance?

    Tenant content cover policies provide cover for students, however they tend to be considered higher risk and might have less choice of policies and higher premiums. There is specialised student home insurance which could be the best option.

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