Tenants Contents Insurance

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 cannot insist you take tenants contents insurance, however they can make you responsible for damages you cause to their property so it is advisable to protect yourself against damages to the landlord’s fixtures and fittings. 

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. To estimate the value of your belongings, try our contents calculator.

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.