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.
It’s worth getting tenants insurance so you know that your possessions are covered. You never know when an accident could happen. A good insurance policy will keep you covered and give you peace of mind.
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.
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.
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.
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.
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.
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.
This can be vital to a tenants insurance claim, but it's not included on all policies as standard.
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 content insurance as well.
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.
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.