Contents insurance for renters

5* rated Home Insurance cover

Contents insurance for renters

Contents insurance for renters is a type of insurance policy that provides coverage for the personal possessions of tenants who rent their home or apartment. This can include furniture, electronics, clothing, jewellery, and other valuable items.

Unlike buildings insurance, which is typically the responsibility of the landlord or property owner, contents insurance for renters is the responsibility of the tenant. It’s important to note that most landlords’ insurance policies do not cover the personal possessions of their tenants, so it’s up to renters to protect their belongings with contents insurance.

Contents insurance for renters typically covers a range of perils, such as fire, theft, flood, and accidental damage. If any of your possessions are damaged or stolen due to one of these perils, your contents insurance policy would provide funds to replace or repair the items.

The cost of contents insurance for renters varies depending on factors such as the value of your possessions, the level of coverage you require, and your location. It’s important to review your policy regularly to ensure you have adequate coverage for your needs.

Contents insurance works

Policy benefits includes

What Contents Insurance Covers

This covers loss or damage to contents in your home, including household goods, furniture, personal documents, valuables, personal belongings, money, and credit cards.

Cover is provided as standard for:

loss or damage to your contents caused by:
- fire, storm, and flooding; and
- subsidence, heave, and landslip;
theft of your contents from within your home or outbuildings and garages;
accidental damage to TV, satellite, and audio equipment;
accidental breakage of mirrors, ceramic hobs in freestanding ovens, and glass in furniture;
alternative temporary accommodation if your home becomes uninhabitable as a result of damage caused to your contents by an insured event;
damage to food in your fridge or freezer caused by a rise or fall in temperature, or contamination by the chemicals in the appliance; and
your legal liability to pay damages and expenses for bodily injury caused to any person, or damage caused to physical property.

For details of what is not covered, please refer to the Policy Wording.

It’s important for homeowners to carefully review and understand their home insurance policy, including any limitations or exclusions, in order to make sure they have adequate coverage for their needs. Additionally, it’s recommended to regularly review and update the policy to reflect any changes in the value of the home or personal belongings.

Home Insurance FAQ

Does the policy cover things like mobile phones and bikes?

Yes, mobile phones and bikes can be covered under the add on Personal Belongings cover as they’re taken outside your home.

Bicycles have their own specific cover section, and need to be specified if they’re worth more than £500 up to a maximum value of £3,000 per cycle and £5,000 for all cycles collectively.

Will the policy cover storm damage to my fences?

Unfortunately, any damage to your fences caused specifically by storms or flood will not be covered, but under our buildings insurance they are covered for certain other circumstances such as vandalism or fire.

Do I need to specify any valuable items on my home insurance policy?

Yes, you need to tell us about any item that is valued at over £2,500, as well as providing a valuation certificate for any jewellery or watches that are worth over £3,000 if you want them to be covered away from your home.

You can cover any individual item up to a value of £10,000 or several items collectively valued up to £20,000 (for cover away from the home) or up to £30,000 (for cover within the home).

What does the optional Home Emergency add-on cover me for?

It covers you for up to £1,000 to make your home safe and secure in the event of a domestic emergency. This includes problems with:

Main Heating System
Plumbing & Drainage
Gas Supply
Electricity Supply
Water Supply Pipe
Roofing
Security
Pest Infestation

If any of these emergencies occur which cause your home to become unsafe or cause a loss of these services, an engineer will be sent to your home to complete a repair and prevent or limit any further damage. Call out charges, labour, and materials to get your home back to a safe state or restore the key services will be covered.

Home Emergency cover is not a maintenance policy and does not cover the cost of routine maintenance in your home, nor does it provide or cover the cost of boiler servicing or maintenance.

What is the policy excess?

The standard excess amount payable on our Home policy is £100 on most Buildings & Contents claims. For claims relating to escape of water, it’s £250, and for claims for subsidence/heave/landslip it’s £1,000.

You can also choose to add a voluntary excess in addition to this. A higher total excess value makes your insurance cheaper, a lower value means you pay less towards a claim.

Contents insurance for renters