Tenants contents insurance covers you for when you are living in rented accommodation, this usually means your buildings and white goods are insured by your landlord but your possessions are not. Many rental properties will come with the caveat that tenants contents insurance is also taken out to protect any liability you have as a tenant for damage to your rental property. Tenants contents cover is designed to give you the peace of mind that your belongings are insured against damage, theft, fire and even loss.
We are well placed to provide expert advice to tenants, having given advice to tenants and landlords for more than 30 years. Our tenants contents policy has been designed specifically for people who rent, covering everything from low- to high-value contents. Our policies give you the freedom to select just the cover you need, so you don’t end up paying more than you have to.
Excellent prompt service on insurance matters for both our properties.
Features of tenants contents insurance are are as follows:
Two key exclusions to household insurance policies are wear and tear and pet damage, both of which are generally excluded from all sections.
Yes you can, simply tell us the change of address and we will update your details.
If you buy a property you would need to take out separate buildings insurance. We would provide a pro rata refund and help you take out a new policy.
Yes you can, there will be an applicable pro rata increase or reduction along with any applicable admin fees.
No, it is not possible to earn no claims discount on this policy.
No, a landlord or letting agent can only insist you take out a policy but not tell you which policy to take out.
No – Tenants Liability is a cover provided within most contents policies – it covers your legal liability against damage to landlords fixtures and fittings that you are responsible for as a tenant. The level of responsibility would be detailed in your tenancy agreement.
Contents insurance for tenants is the same as any other contents policy. It provides cover for the tenants belongings, such as clothes, furniture, electrical items and other personal belongings. Even people who rent furnished usually have some items of their own, however, they do not always need as high a sum insured as someone who furnishes a whole house. Policies that are specifically for Tenants Contents often offer a lower minimum sums insureds and premiums.
Whilst it is not a legal requirement, it is wise to purchase contents insurance. This will then include Tenants Liability cover as detailed above and Occupiers Liability cover, which covers you against your legal liabilities to the public. This could include such things as if a dog escapes from the property and causes an accident – if it is found that you did not secure property sufficiently you could be found to be negligent. A contents policy would also provide cover for alternative accommodation following a claim which renders the property uninhabitable, such as fire or flood.
If your lease makes you responsible for the door then yes it would be covered.