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Contents insurance for renters

Tenants can save up to £25 by buying contents insurance through us[1]

What’s tenants insurance?

Tenants insurance is contents insurance for renters.

It’ll cover your belongings while they’re in your rented house or flat, so you’ll be compensated if there’s a burglary or your things are damaged by something like a fire or burst pipe.

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.

What does tenants insurance cover?

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?


What’s covered by your tenants insurance will vary from one policy to another, but most policies will include:

  • Cover for your personal possessions – furniture, electricals, clothes and jewellery, for example
  • Tenants liability cover to compensate your landlord for accidental damage caused by you
  • Bicycles within the boundaries of your home (check the maximum value though – it can be as low as £500)
  • Cover for cash stolen from your home
  • Replacement locks following theft or loss of keys

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:

  • Accidental damage cover
  • Bicycle cover away from home
  • Legal expenses cover
  • Personal possessions cover

What’s not covered?


Each policy will have a set of exclusions. Some things that won’t be covered by most policies are:

  • Damage caused by gradual wear and tear or mechanical breakdown
  • Damages caused to a property unoccupied for longer than 30 days
  • Damage caused by unforced entry due to your negligence or because you didn’t lock doors and windows
  • Theft of high-value items that are over the policy limit
  • Theft of home business belongings
  • Rent arrears

Do you need tenants insurance?

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:

  • You live in a high crime area with a greater risk of burglaries
  • You live in an area that’s prone to flooding

How much is tenants insurance?

Although 20% of people pay as little as £4 a month for contents insurance, your own cover could cost more or less than this.[2]

But we found that people paid £79.60 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.


*The average price paid for home insurance annually through GoCompare in March 2021, by type. For buildings and contents insurance, it was £179.97. For buildings insurance only, it was £124.12. For contents insurance only, it was £79.60.
average cost of home insurance

How to save money on your tenants insurance?

Rent’s expensive, but there are a few things that you could do to cut insurance costs for your home:

  1. Pay annually

    Monthly payments have interest added so work out more expensive in the long run.

  2. Compare every year

    If you let your tenants insurance auto-renew, you might not be getting the best deal.

  3. Work out what you need

    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.

  4. Consider security

    Ask your landlord if they would upgrade locks and alarms – it’ll protect their investment, as well as your possessions.

Tenants insurance FAQs

  • How do I get tenants insurance?

    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.

  • How much cover do I need?

    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.

  • What’s tenant’s liability insurance?

    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.

  • Should students take out tenants’ insurance?

    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.

  • 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.

  • If I move home, is my tenant’s insurance transferable to a new property?

    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.

  • Will tenant’s insurance cover rent arrears?

    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.

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Page last reviewed: 14 June 2021
Next review due: 14 September 2021

[1]51% of customers who provided their contents only insurance renewal price saved up to £25.27 with GoCompare (1 Dec 2020 to 28 Feb 2021).

[2]20% of customers were quoted a monthly contents instalment amount of £4.23 or less with GoCompare (1 Dec 2020 to 28 Feb 2021).

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