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Tenants Home Contents Insurance

Although as a tenant, you will not require buildings insurance, it's still important to protect the contents of your home. You may own furniture and white goods, not to mention many personal items of both financial and sentimental value. Without insurance cover, one singular event such as a fire or flood, could cause profound damage and have a detrimental impact on you and your home.

Furthermore, you may accidentally or otherwise cause damage to your landlord's property or its contents and you could be held liable.

Lets-cover tenant's insurance is specifically designed for those living in rented accommodation. We not only offer insurance options that protect you and your possessions, we can also provide products that protect you in event of any damage caused to the rental property in which you live, or any content's belonging to your landlord e.g. furniture.

Lets Cover

Benefits of Tenant's Insurance

  • Accidental damage cover as standard.
  • Up to £2,500 liability to cover accidental damage to landlords building, contents, fixtures and fittings.
  • Protection of deposit.
  • Alternative accommodation.
  • 'New for old' cover (except for clothes, furs and household linen).
  • Optional personal possession cover.
1. Why tenants need specialist insurance
Tenants need specialist insurance to protect themselves against any damage to their personal items.

Items of both financial and sentimental value should be protected against any unforeseen loss. This is especially true when you are a tenant as you will not be covered against any building fault. For example, if a pipe were to burst you wouldn't be able to claim unless you had contents insurance.

As a tenant, you're using your landlord's property and its contents on a daily basis and you will be financially liable for any breakages. It is therefore also important to cover yourself for any damage that may be caused to your landlord's property and the items within it.

2. Tenant contents insurance
Tenant contents insurance is necessary to cover the cost of any loss or damage to contents owned by you or your landlord. Tenant content insurance will also generally protect you in the event of burglary or theft.

Some content insurance policies will also cover tenants for any alternative accommodation needs.

Tenant contents insurance usually provides cover for loss or damage caused by events such as:
  • Storm or floods, fire, explosion, lightning or earthquakes.
  • Escape of water from a fixed water installation, drainage or heating installations.
  • Subsidence.
  • Theft or attempted theft.
  • Malicious persons.
  • Falling trees or branches.
  • Breakage or collapse of external objects such as TV or radio aerials.
  • Accidental breakage of mirror, glass, audio and audio visual equipment.
  • Damage caused by human disturbances such as riots, civil commotion.
  • Loss of keys.
  • Loss of damage to frozen food.
Coverage will differ between insurance companies so check your policy documents.

3. The cost of tenant insurance
The cost of your tenant insurance premium will be influenced by a number of factors including:
  • Value - The higher the sum insured, the higher the premiums.
  • Location - some areas may require you to pay a higher premium.
  • Property security - NACOS approved alarms, lockable windows and 5 lever mortice locks help to reduce premiums.
4. Purchasing tenant insurance - the process
The process of purchasing tenant insurance will require you to supply the following information:
  • Personal information - including; your contact details, occupation and date of birth.
  • General property questions - questions about the property and those who reside in it.
  • Cover details - confirmation of what items you would like covered and at what level.
  • Purchase - confirmation of your annual premium and agreement to the terms and conditions. Most insurers will give you the option of paying upfront or by monthly instalments.

Please view Summary of Cover for further details:

Download Tenants Insurance Summary (PDF)

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